vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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: IA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: GA

Complaint narrative:
I was scammed on XXXX by someone pretending to be a haircare company. 

I paid {$620.00} for XXXX purple and neon wigs and a month later the person sent XXXX brown wigs ( which isnt what I paid for ). 

I tried getting my {$620.00} back from XXXX but they said contact Chime because thats who my card is linked to. 

XXXX concluded via chat messages that I was indeed scammed and they will place the persons name on an internal list of scammers. 

I disputed charges with chime, provided Info and proof several times yet they keep denying my claim to credit my account back the {$620.00}. 

Chime has implored tactics of sending me links to upload my proof ( multiple times ) only to say they havent received it when Ive called back this was atleast 5 times. 

Finally, once I demanded a supervisor, they suddenly found my documents and told me the proof is good and will help my case YET they still denied me although I filed a rebuttal. 

Chime doesnt protect their consumers and actually helps facilitate their consumers in getting scammed. 

I was scammed, paid my money, had proof of it being the scams yet they refuse to credit my account my {$620.00} back. This is not humane, civil or ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-04 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-04 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, a person cut the lock on my locker at the gym and stole my gym bag which included my wallet with credit cards. I reported the incident to the police and received a case number. The criminal used my Mastercard to make purchases at a XXXX XXXX in XXXX DC. The first charge went through but the second charge was declined. I disputed the fraudulent charge with Bank of America. They informed me today that I was responsible for the charge.

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 monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This is a follow up to the original inquiry and complaint filed with LVNV Funding for the two debts in collections one in the amount of {$1900.00} and another one in the amount of {$1700.00}. 
I have reviewed all the information sent to me and stand by my original claim that these two accounts are part of identity theft as I currently do not own or use any credit cards in my name other than a bank debit card and fuel cards. 
I see the statements reflect my mailing address and again I never received any correspondence to my home mailing address during this entire time these debts were accrued. 
I have enclosed in this follow up my official FTC identity theft report from the Federal Trade Commission which has been filed and that should be sufficient to prove my claim. 
Law enforcement agencies will now be made aware of this and no more collection attempts should continue as I have gone through all the proper channels to report this fraudulent activity. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: NM

Complaint narrative:
I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH XXXX, AND TRANSUNION, AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

XXXX : XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XX/XX/2023 XXXX. The following personal information is incorrect Employers : XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX Account Number : XXXX Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

TRANSUNION : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX  NM XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX Account Number : XXXX Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please remove this inaccurate information 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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: PA

Complaint narrative:
Despite my diligent efforts, these issues persist unresolved. Enclosed is a copy of the letter I previously dispatched to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' It's crucial to note that I take this matter very seriously. Should you opt not to address my original request, sent via certified mail, I will not hesitate to escalate this matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will result in my insistence on the immediate removal of these items from my 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 2024-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/XXXX I was informed via the Navy Federal app that my credit card was in litigation. I called navy federal and was given an attorneys office number. I called the attorneys office on XX/XX/XXXX and requested proof of debt. On XX/XX/XXXX I had not received proof of debt that was requested. On XX/XX/XXXX Navy Federal transferrred {$900.00} unauthorized towards credit card payments. When I contacted Navy Federal on XX/XX/XXXX I was first told that I had to contact the attorneys office so I did. When I called the attorneys office I was told by one of the debt collectors that my account was put on hold due to me requesting proof of debt and they could not do anything with my account, so I called Navy Federal back. When I called Navy Federal back I was directed to the collections department where I was told due to me not reaching a settlement with debt collector they took the money out of my account to pay towards the credit card. I then informed the Navy Federal that I requested proof of debt and I could not agree to settle until I received the proof of debt was given to me. I also informed them that when I spoke to the debt collector at the attorneys office I was informed that the account was put on hold. I also informed the representative working in the collection department that all attempts to collect a debt had to stop once a validation of debt was requested due to the FDCPA. The person working at Navy Federal stated that was not true and that they can continue to collect on a debt until I reached a settlement with the attorneys office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any 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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any 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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
XXXX - Received email stating my Sams Club Mastercard had been reported lost/stolen from Synchrony Bank . I did not report it stolen and I physically had all cards. I contacted customer service via phone call several times on between XXXX XXXX : Call # 1 : Informed rep that I received the email and stated I didn't request it so please undo the request. She replied that was not possible. I asked who reported my card was stolen. She said an " unknown caller '' earlier on XXXX. I asked how they verified it was a legitimate request and she had no legitimate answer. I asked what would prevent me from calling in to report someone else 's card stolen without a verification on their end. No response. I asked to be forwarded to a supervisor. Was told I could speak with fraud department. 

Call # 2 : Forwarded to the fraud department and was hung up on. 

Call # 3 : Contactedfraud department again. They could not share details but mentioned that it was because of some charges I disputed ... .these charges were over 3 months old and their response was conflicting with the " unknown caller '' described in Call # 1. 

Call # 4 : Contacted normal customer service rep again. Spoke to a new rep. She requested full verification of my information to confirm identity before speaking to me. This is the first time in any call where my identity/data was fully verified before share details with me. She also had no answers but seemed surprised that none of the other calls had verified me. 

XXXX - I typed a letter describing the above and expressed my concerns that they had shared my data with an unknown caller and were reporting as lost/stolen to cover their failed processes. I demanded they execute investigation and provide me with a response on the root cause and how they were going to prevent the problem in the future. 

XXXX - VM follow up saying they received my correspondence and they'll review as soon as possible. I have not received additional reply since. 

In unrelated issue I had disputed charge in XX/XX/year> and then later noticed it had not been addressed. I messaged customer service and submitted another dispute form. They stated they had error in logging the dispute. 

All of these things add up to failed business practices and protections for consumer data and information.

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 2024-04-04 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:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-04 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # # XXXX {$700.00} # # XXXX {$500.00} XXXX XXXXXXXX XXXX XXXX Hard inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX il XXXX XXXX XXXXXXXX XXXX XXXXXXXX il XXXXXXXX XXXX XXXX XXXX Transunion reporting XXXX XXXX XXXX XXXXXXXX closed XXXX {$640.00} XXXX XXXX XXXX XXXX # XXXX {$530.00} # XXXX {$1500.00} # XXXX {$690.00} # XXXX {$570.00} XXXX XXXXXXXX {$1900.00} XXXX XXXXXXXX {$1000.00} XXXX XXXXXXXX {$1500.00} XXXX XXXXXXXX {$700.00} XXXX XXXXXXXX {$500.00} XXXX soft inquiries XXXXXXXX XXXX closed All of this DOES NOT BELONG TO SAID COMSUMER 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 2024-04-04 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: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  # # XXXX {$700.00} # # XXXX {$500.00} XXXX XXXX XXXX XXXX Hard inquiry XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX # # XXXX {$640.00} XXXX  # # XXXX Experian Reporting Addresses XXXX XXXX XXXX il XXXX XXXX XXXXXXXX XXXX XXXXXXXX il XXXX Closed XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX closed XXXX {$640.00} XXXX XXXX XXXX XXXX # XXXX {$530.00} # XXXX {$1500.00} # XXXX {$690.00} # XXXX {$570.00} # XXXX {$1900.00} # XXXX {$1000.00} # XXXX {$1500.00} # XXXX {$700.00} # XXXX {$500.00} XXXX soft inquiries XXXX XXXX  closed All of this DOES NOT BELONG TO SAID COMSUMER XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation