vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received a text from Chime on XX/XX/2024 about a transaction attempt. When I replied " no '' I got a response that a customer service team member was going to reach out to me. They had all my banking info and called to tell me that there were a few attempted purchases being made. They said my account had been breached and they would have to close my account and create a new one. They instructed me to transfer money out of my savings and that a chime supervisor was going to send me a link to follow so I can attempt to test a transfer to create a new account. The agent told me there wouldn't be any funds taken out and it was only a test. Once I realized there was indeed a transfer happening I tried to stop it but to no avail. The person stopped contact and the call went silent. Everything seemed so legitmate because Chime does normally send a text when I attempt to use my card to pump gas or make other purchases. I called Chime to try and clarify if it was real and found out they don't make calls to customers and that's when I realized I was scammed. I tried to dispute it with screen shot proof of what I had. From the text messages to the incoming call from this person that impersonated to be a Chime Representative. Chime responded back and denied my claim leaving me at a financial lost of {$1900.00}. It also shows the person that scammed me was also a chime member so I cant understand why they couldn't help me retrieve my funds or at least put a freeze on that individuals account. I have already filed a police report and contacted Chime again about recovering my funds. I'm hoping they can credit me for the lost amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-28 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-28 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: OH

Complaint narrative:
I have repeatedly requested in writing that TransUnion remove XXXX XXXX from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, XXXX XXXX is not listed in the XXXX XXXX XXXX as having proper certification to collect debt or engage in any financial transactions in the state of Ohio. 

Account # NO ACCOUNT LISTED Additionally, according to 15 U.S.C. 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures

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 2024-08-28 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and found fraudulent accounts on my report. This is against the XXXX XXXX XXXX and I would like to have it removed so I can get credit. Please remove these accounts from my report, they are affecting my ability to get credit.

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 2024-08-28 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: FL

Complaint narrative:
I am formally disputing the inaccurate information reported by XXXX and Equifax concerning XXXX of my accounts, specifically the 'Date of Last Activity, ' 'Date Opened, ' and 'Date Last Reported, ' which are incorrect and do not reflect the actual history of this account. The 'Date of Last Activity ' is wrongly recorded, misrepresenting the timeline of my account, the 'Date Opened ' does not align with the original opening of the account, and the 'Date Last Reported " is not consistent with the most recent updates. These inaccuracies have caused significant misrepresentation of my credit profile, potentially affecting my creditworthiness. Given that these errors violate the Fair Credit Reporting Act ( FCRA ) by failing to ensure the accuracy and completeness of the information reported, I am requesting an immediate investigation, correction of these date fields, and complete removal of this account from my credit report, as it does not accurately reflect my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: TX

Complaint narrative:
Under 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 XXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX : # XXXX, Has violated my rights.15 USC 1681 section 602a States I have privacy rights. 
15 USC 1681 section 604 ( a ) Section 2 also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information or any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than XXXX  years. 
15 USC 1681 s-2 ( a ) ( 1 ) a person should 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. 
15 USC 6802, I never received the required opt-out notice when the account was being reported ( they never gave me the opt-out notice ). I have a right to opt-out of any reporting of non-public info.

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 2024-08-28 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: TX

Complaint narrative:
Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX XXXX  : # XXXX, Has violated my rights.15 USC 1681 section 602a States I have privacy rights. 
15 USC 1681 section 604 ( a ) Section 2 also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information or any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years. 
15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, I never received the required opt-out notice when the account was being reported ( they never gave me the opt-out notice ). I have a right to opt-out of any reporting of non-public info.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
I want to dispute an account in collection that I see on my credit report. The account is called Sunrise Credit Services XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX. Date opened is XX/XX/year> in accordance to what I see on my credit reports. The balance is for {$180.00} but this is not my account and should be deleted/removed from the XXXX, XXXX, and XXXX credit report. I'm going to upload a Massachusetts ID card and a copy of my social security to help verify my identity. I've called XXXX XXXX already and verified my social security with them and they said it not my account based on my social security number.

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 2024-08-28 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: MA

Complaint narrative:
I want to dispute an account in collection that I see on my credit report. The account is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX. Date opened is XX/XX/year>XXXX  in accordance to what I see on my credit reports. The balance is for {$180.00} but this is not my account and should be deleted/removed from the XXXX, Equifax, and XXXX credit report. I'm going to upload a Massachusetts ID card and a copy of my social security to help verify my identity. I've called XXXX XXXX already and verified my social security with them and they said it not my account based on my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
BEST BUY/CBNA Debt Validation Request Account Number : XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within XXXX  days of receiving this letter. Should you fail to comply, I will initiate debt validation methods. 

For my debt validation methods these are the things I would require from you. I would require the following information : XXXX. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt. 

XXXX. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector ; in case I choose to pursue further legal action. 

XXXX. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency. 

XXXX. XXXXebt Details : Provide the date and the amount of money that I officially became in collection with your company. 
Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within XXXX  days. 
Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute an inaccurate and unverifiable item on my Experian, XXXX, and XXXX XXXX credit report. The account in question is a charge-off reported by XXXX XXXX XXXX with the account number XXXX. This item is listed under adverse accounts on my credit report and is damaging my credit standing. 

I request an immediate investigation into this matter under the provisions of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. According to the FCRA, all information reported to credit reporting agencies must be accurate, complete, and verifiable. If XXXX XXXX can not substantiate the accuracy and completeness of this account with documented evidence, it must be promptly removed from my credit report. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( b ), my right to privacy regarding my personal financial information is protected. As such, I am requesting that any information that can not be verified be immediately deleted, as retaining such unsubstantiated data violates my rights under federal law. 

Please provide a written confirmation that this item has been deleted from my credit report within XXXX  days of receiving this letter. If you need further information, do not hesitate to contact me at the address or phone number listed above. 

Thank you for your prompt attention to this matter. I look forward to your swift 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 explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I made a purchase on the card and returned some items using their required packaging/label. The return was received at their warehouse on XX/XX/year>. I was told it would be three weeks for the credit to process. I have called XXXX to find out why after FIVE weeks the credit has not processed. The amount of the credit exceeds the balance owing and they are now charging me monthly service charges. Comenity/Bread Financial - the company offering the store card and XXXX XXXX - the store have me going back and forth between the two with neither able to tell me why they can tell me the amount of the credit but they can not tell me why it has not posted to my account. They have said the return 'failed to post ' but the date for the failure is BEFORE the item was even returned!.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-28 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: SC

Complaint narrative:
This is a DIRECT formal request for a re-investigation of the following accounts. These disputed account were claimed to have been accurate or verified. 

XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX  - XXXX These accounts are still inaccurate and need to be corrected or deleted immediately. If you can not give me PROOF of your method of verification you must delete per FCRA standards. 

Each time you claim to do an investigation you do not review the actual inaccuracies listed, you update and verify things that I have not stated! You are basically ignoring my request for investigation, violating the FCRA Laws for Inaccurate credit reporting. 

REMOVE THIS ERRONEOUS ACCOUNT NOW! 

You have 15 days to complete this per FCRA! 

Thank you 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 2024-08-28 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: OH

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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