vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KY

Complaint narrative:
Chime has allowed XXXX to charge my account XXXX for 10 months and XXXX for 2 months. I did not have a XXXX account. I changed my card 3 times. Somehow XXXX keeps getting the card number. I called XXXX they agree its fraud and they are willing to refund the full amount but the bank denied my claim but won't provide any information on how they came to that conclusion. This is the third issue I have had with chimes investigation team. The first one the merchant agreed to refund my money and chime still denied the claim and the second interaction last XXXX I ordered a ring thru XXXX from a third party seller. It never got shipped so I contacted XXXX they agreed and refunded my money. I NEVER contacted chime. There was no dispute filed thru chime. Yet chime sent XXXX back my refund stating that they decided that I was not entitled to my refund. They had to fix it. I believe this bank does not have a investigation department. And that as consumers we should have the rights to see whatever evidence of investigation they have done to come to their decision. Also on my first complaint with chime I filed a rebuttal and they never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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 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 explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
XXXX XXXX sunrise credit services i did speak to someone about this being on my credit report i let them know i have no knowledge of this accounts and i also asked for a wet seal letter and was denied, and they also try to get me to pay them to dispute other items off of 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 2024-12-06 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: FL

Complaint narrative:
ATTENTION : TransUnion I looked at my credit reports back on XX/XX/XXXX. I sent a letter to TransUnionon I noticed some things were incomplete and found accounts that belong to me. According to the fair reporting act whenever a consumer reporting agency prepares a consumer credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

These accounts and account numbers listed below arenot complete and inaccurate.

I've disputed these inaccurate accounts and have also have filed an FTC report along with an CFPB report.

An consumer reporting agency 's obligation, pursuant to section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1982 ), to conduct a reasonable reinvestigation of information on a consumer 's credit report alleged by the consumer to be inaccurate.This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of my infromation opening and using my personal credit to someone elses advantage. 

XXXX XXXX Account Number:XXXX XXXXXXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Date XXXX Date closed : XX/XX/XXXX XXXX XXXX XXXX Account Number:XXXX AmountXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Date XXXX Date XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Amount : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX ) XXXX Date XXXX Date updated XX/XX/XXXX Hard Inquiries XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SD XXXX Phone ( XXXX ) XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone ( 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 2024-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: South Mississippi Collection Services Inc.
State: MS

Complaint narrative:
On XX/XX/ a XXXX XXXX gave my XXXX XXXX XXXX son summons documents while he was sitting on the front porch of our home instead of serving me or my wife directly. I was home and they could have knocked on the door but chose not to do so. In addition to that the medical debt in question is over XXXX XXXX XXXX which in the state Mississippi is past the statute of limitations. They refuse to acknowledge that when I stated the statue to them. The name of the debt collector is South Mississippi Collections services INC. Furthermore when requesting an itemized receipt of the debt, they have yet to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: TX

Complaint narrative:
I applied for an XXXX plan through MOHELA in order to start accruing my payments towards my PSFL forgiveness for teaching in a title XXXX school. Longer than 60 days has passed since I filed for the plan. 

On XX/XX/year> I received a document from MOHELA stating that my loans were being put into forbearance due to my XXXX  application not being processed within 60 days. The document stated " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance ''. 

A month later on XX/XX/year> I received another document from MOHELA stating " In an effort to keep you updated on your federal loan ( s ), including the accrued interest, interest rate, and total balance. The loan ( s ) listed in this letter are currently in forbearance. Although no payments are due at this time, interest continues to accrue on your loan ( s ) during the forbearance period. You have to option to pay the interest during forbearance. '' I checked my balances on all my loans that are in forbearance and they all have risen due to interest from the last month. This interest should not be there as it should be set to 0 % as stated in the first document MOHELA sent me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
We believe we are being discriminated against by Wells Fargo because we are a church. 
Wells Fargo ( WF ) has threatened to close our bank account suddenly after 30 years because we are a church and do not have a formal 501 ( c ) ( 3 ) approval from IRS. In all their paperwork we claim to be a non-profit ( we are a church ) and therefore exempt from naming benefitted individuals - because we are not a stock corporation and have no owners. WF says that in order to be exempt we must have 501 ( c ) ( 3 ) status. We told them on the phone once ( XX/XX/year>XXXX  ) and in person two different times ( XX/XX/year>XXXX  and XX/XX/year>XXXX  ) that we have 501 ( c ) ( 3 ) status just by virtue of being a church per IRS regulations : " Churches ( including integrated auxiliaries and conventions or associations of churches ) that meet the requirements of section 501 ( c ) ( 3 ) of the Internal Revenue Code are automatically considered tax exempt and are not required to apply for and obtain recognition of exempt status from the IRS. '' So we do not need formal approval from IRS. But they say unless we have formal approval they are closing our accounts within two weeks. We have payroll to meet, rent to pay etc. It takes months, fees and lawyer bills to obtain approval ; something that is beyond the means of our small Congregation.

We have sent them voluminous documentation proving we are a church and showing them the IRS regulations, to no avail. 

If we could only talk to someone sensible there instead of bureaucrats who don't understand the law, I'm sure we could resolve this. We filed a formal complaint with them but as yet have received no communication. Please help.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: NM

Complaint narrative:
I am writing to formally lodge a complaint regarding the mishandling of my car loan account and the unacceptable lack of customer service I have experienced. 

The company incorrectly reported missed car loan payments on my account, despite all payments being made on time. Upon noticing this error, I made numerous attempts to contact the company to resolve the issue. Unfortunately, each attempt resulted in frustration : XXXX. Uninformed Representatives : When I finally reached someone, they appeared unaware of how to assist or provide accurate information. 
XXXX. Miscommunication : I was told a letter had been sent regarding the issue, but I never received such a letter. It remains unclear if it was ever sent. 
XXXX. Repeated Neglect : After multiple follow-ups, I was either met with no response or vague assurances that someone would handle the matteryet no action was taken. 
XXXX. Total Lack of Response : Most recently, I have been unable to reach anyone at all, leaving me without any resolution or recourse. 

This mishandling has caused significant stress and damage to my credit report through no fault of my own. There has been no attempt in the company to : Investigate this error immediately. 
Correct any inaccurate reporting to credit agencies. 
Provide written confirmation of the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
I have recently reviewed my credit report and noticed that several fraudulent accounts listed and I ', requesting a review of the account because it's hindering me obtaining credit at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate. 

account name : XXXX XXXX XXXX XXXX XXXX  ) account number : 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 2024-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal lie about 30 day release payment. i had XXXX account had had been forever limited and it still had payment in side. it doesn't let me take it out. XXXX is XXXX and other is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
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 non-monetary relief
Consumer complaint received 2024-12-06 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: OH

Complaint narrative:
Date : XX/XX/2024 To Whom It May Concern, This letter serves as a formal notice regarding my dispute with Equifax, which remains unresolved despite significant delays beyond the legally mandated timeframe. 

On XX/XX/XXXX, I spoke with XXXX, an Equifax representative, on a recorded line. The call began at XXXXXXXX XXXX and concluded at XXXXXXXX XXXX. During this conversation, XXXX acknowledged that Equifax is aware it is out of compliance with the 30-day time frame for processing my dispute. She confirmed that Equifax has not yet processed my case as required by law. 

For further context, I filed a formal complaint with the Federal Trade Commission ( FTC ) on XX/XX/2024. Despite this additional measure, no progress has been made on my case. XXXX failure to act in a timely manner is unacceptable and in violation of applicable consumer protection laws. 

I am requesting that all disputed inquiries be removed from my account immediately. If Equifax does not resolve this matter without further delay, I will proceed with filing a lawsuit to address this negligence and enforce my rights under the law. 

This letter serves as both documentation of the issue and notice of my intent to take legal action if Equifax fails to meet its obligations promptly. 

Thank you for your immediate attention to this matter. I look forward to your resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
After reviewing my credit report, I discovered that my personal information is incorrect, resulting in the appearance of accounts that I do not recognize and have no connection to. These errors are deeply concerning as they misrepresent my financial history and could affect my ability to access 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 non-monetary relief
Consumer complaint received 2024-12-06 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-12-09 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: NV

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
Subject : Request for Removal of Inaccurate Information from XXXX Credit Report Dear XXXX XXXX XXXX hope this letter finds you well. I am writing to formally dispute inaccurate information on my credit report, which I believe does not reflect my true financial situation. As a father of XXXX children, managing a large family comes with its own set of challenges, and I take my financial responsibilities seriously. However, I have identified inaccuracies that I am seeking to correct to ensure that my credit report accurately reflects my payment history and financial obligations. 

Below are the details of the disputed informatioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Partial Number : XXXX Account charged off amount : {$980.00} Date Reported : XX/XX/year> Description of the Inaccuracy : This is not my account Reason for Dispute : I believe this account was fraudulent I understand that as a parent, managing multiple financial responsibilities can be difficult at times, but I always make it a priority to meet my obligations, especially with my childrens needs in mind. I am seeking your assistance in correcting this error, as it negatively affects my credit standing and, ultimately, my ability to provide for my family. 

I kindly request that you investigate this matter and update my credit report accordingly. Your assistance in resolving this issue would be greatly appreciated, as it is crucial for both my financial well-being and my ability to support my family. 

If any further documentation or information is needed, please do not hesitate to contact me by phone at the number and email above. 

Thank you for your attention to this important matter. I look forward to your prompt response.

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