vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: MO

Complaint narrative:
I sent the information to Transunion to remove the late fee from the credit report because the company made a mistake and overcharged me. I submitted evidence that was provided to me and they still have not removed it I keep having a problem with this credit company and I want to know why.

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 2024-03-09 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-03-09 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I had several fraudulent charges on my Citi card during week of XXXX XXXX. Citi took care of all but XXXX of them and have been investigating the largest amount for 6 months all the while telling me not to pay since it is fraud ( this was told to me by several employees over XXXX different phone calls ). Since then, nothing has been resolved even though several supervisors claimed they escalated the issue and I would soon hear from them. All the while I've been receiving collection calls, texts, and emails ( 7 days a week and all hours ) regarding a past due account, not to mention hundreds of dollars in fees and interest! My credit score went from mid XXXX to below XXXX. As a retired banker I take this very personally as it affects my sleep and health.

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 2024-03-09 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: NJ

Complaint narrative:
On XX/XX/XXXX, the first direct deposit from my new job was deposited in the account. Later that day, I got a notification that a XXXX XXXX accepted {$200.00} through XXXX. I had never heard of this individual, he wasn't in any of my contacts, and I wasn't even making any transactions to provoke such a withdrawal. 
I managed to contact someone from Chime that actually addressed and reversed the charges that evening, but the next day, XX/XX/XXXX, the same {$200.00} had been taken out by XXXX XXXX via XXXX, and I've been trying to recover it ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: MI

Complaint narrative:
Sent in bank statements from XXXX. The credit company ignored statements and further destroyed credit while siding with a credit company. When i called in personally i was spoken to rudely and hung up on even after requesting to speak with their experts. They then charged a closed account as a past limit to further hurt the score while moving the charge-off date 2 years further to discourage and more disputes all while moving the credit limit to 119 % to prevent any use of credit for what has now been 4 years

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
Sent in bank statements from XXXX. The credit company ignored statements and further destroyed credit while siding with a credit company. When i called in personally i was spoken to rudely and hung up on even after requesting to speak with their experts. They then charged a closed account as a past limit to further hurt the score while moving the charge-off date 2 years further to discourage and more disputes all while moving the credit limit to 119 % to prevent any use of credit for what has now been 4 years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: NY

Complaint narrative:
I sent your company ( EQUIFAX ) an FTC letter about the inquries i have on my credit report and also to CFPB abput this matter and your response was it was factual but no documentation was presented on how your company came to this conclusion from these companies that reported these inquries.

I request that EQUIFAX provide these documentations of validation from these companies as part of their investatgation in which by law they have XXXX  days to do so. if these requirments are not meant, EQUIFAX is required by law to remove these inquries off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Apelles, LLC
State: FL

Complaint narrative:
I recieved a letter to pay a amount to Apelles Now. I have no business with, no contractual agreement nor have I recieved proper discloure to opt out of this type of adverse reaction per : XXXX XXXX XXXX - FORM OF NOTICE TO CONSUMER ; OPT OUT METHOD. This leads me to believe that my personal business and information was compromised and shared which is a violation of : Fair Credit Reporting Act : XXXX XXXX XXXX - IDENTITY THEFT & SEC. XXXX AFFILIATE SHARING *** THIS IS YOUR NOTICE TO CEASE & DESIST ( ALL ) COMMUNICATIONS. Attached is copy of A PRINTOUT THAT THIS COMPANY SENT REQUESTING PAYMENT FROM ME/ OFFER TO PAY. 

This is mail fraud ; Fair Debt Collections Practice Act violations : XXXX XXXX XXXX ( XXXX ) - Harassment or Abuse XXXX XXXX XXXX - Determination of finance charge XXXX XXXX XXXX ( XXXX ) - Unfair Practice XXXX XXXX XXXX - Furnishing certain deceptive forms XXXX XXXX XXXX - Civil liabilty. 

I understand your company is liable to pay me for each violation noted in this complaint for damages sustained that the court may allow but not exceeding {$1000.00} per violation. I would like to excerise my rights to the fullest extent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: TX

Complaint narrative:
Saturday, XX/XX/2024 Dear Experian & XXXX Credit Bureau, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete XXXX ( XXXX ) Inquiry from XXXX XXXX XXXX XXXX on XX/XX/2024 I do not recognize this lender and I did not authorize them to perform a hard inquiry on my credit report. 
( XXXX ) Inquiry from XXXX XXXX XXXX on XX/XX/2024 I do not recognize this lender and I did not authorize them to perform a hard inquiry on my credit report. 

By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 
Please remove any information that the creditor can not verify. I understand that under XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime.com is an obvious fraud. They bought my information to send me a text early in the morning. Worried about fraud they offered a phone number online. A real person picks up that asks for your name and ssn. I refused. She transferred me to another " higher '' department where I was hung up on. I went to their website, no option to close account. Download their app on XXXX XXXX, change my password in case it's real, try to close account and it only allows u to talk to another " rep '' that can't close your account without ssn/dob. Also their chat option starts to slow your phone down to frustrate you into providing the information. They are likely printing fake cards as a fake company to defraud the banking industry a small amount at a time that the bank would likely just write off because it isn't worth pursuing. Send a man to close down their po box at least. Send a computer guy to hack their stuff. I'm doing my part. This is one of the best phishing attempts I've ever seen. I hope someone in your office can do something about this. 

Chime XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
A collection agency, Wakefield & Associates, is reporting that I owe {$1000.00} to them as a result of an unpaid bill from XXXX XXXX XXXX from XXXX. After doing research and contact the dental office, I was made aware that the original debt was approximately {$450.00} that my dental insurance did not cover. I had moved from XXXX  to a XXXX  in the interim and the XXXX  office was unable to forward me the bill. It is my understanding that any medical bills under {$500.00} ( original debt amount ) are required to be removed from credit reports. All three credit reporting companies are listing the {$1000.00} collection on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
In XXXX XXXX XXXX, Citibank Wayfair Credit Card sent me an email letting me know that they thought there was a fraudulent charge on my Wayfair account ( which I used only XXXX time in XXXX to purchase a vented gas heater, never for anything else ). I called in, spoke to someone in the Customer Service and then again the Fraud Dept. I let them know that it was indeed NOT my purchase as they already suspected. I was assured that they would send me a new card ( new account number too ) and they would remove the charge ( XXXX, for {$19.00} XXXX XXXX  ). I figured that was the end of that. Then I got a new XXXX Statement via email telling me I had an account balance past due. So I called them again. Discussed it with both their Cust Service & Fraud Depts and was again assured that they would remove the fraudulent charge and the Late Fee of {$42.00}, I think. I was pretty sure that would be the end of that. NOPE. Got next month 's Statement, with additional Late Fees but it appeared that they removed the Fraudulent charge ... Go figure. So I called in again. Same thing, I requested that they fix this issue and remove the Late Fees and they again assured me that it would be fixed. NOPE. Same thing now in XXXX XXXX XXXX. I've phoned them XXXX or XXXX  times now and sent them electronic messages regarding the issue which is why I'm submitting this ; I no longer believe that they will fix this issue. HELP me please. Thanks in advance. 
RE : Wayfair Citibank XXXX account.

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 2024-03-09 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: LA

Complaint narrative:
Under the Educational rights and privacy act of 1974, the financial company that i initially had dealings with has consistently reported information concerning this account to third parties... Also under 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
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Under the Educational rights and privacy act of 1974, the financial company that i initially had dealings with has consistently reported information concerning this account to third parties... Also under 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
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have requested the following items from Portfolio Recovery 4 times in the past 6 months and all I have received is the billing statements which is not what I requested. 
XXXX. The Purchase Agreement that Portfolio Recovery has with the alleged original creditors. 
XXXX. The full contract agreement I allegedly signed with my full wet verifiable physical signature from said original creditors. 
XXXX. Documentation demonstrating how Portfolio Recovery acquired the debts, how much it was purchased for in a dollar amount by Portfolio Recovery, and how they accessed my personal information including emailing me when I never gave anyone my private email address. 
XXXX. The agreement and contract with Portfolio Recovery with my full wet verifiable physical signature stating that I owed a debt to their company and allegedly agreed to pay it. 
XXXX. The business license for Portfolio Recovery to collect on alleged debts in the state of Texas. 
XXXX. Copy of the chain of custody to collect the alleged debt from original creditors to Portfolio Recovery. 
None of these things were sent and they continued to repeatedly call me and they clearly can not verify any of these alleged debts and I am requesting the alleged debts, along with my personal information, be removed from their systems and erased from my credit report. 
All of these alleged debts have been reported as closed and charged-off accounts and according to XXXX XXXX XXXX XXXX XXXX the FDCPA they are not to be put on my credit reports and this company has failed repeatedly to validate the alleged debts as well. I read them all through the CFPB Database of Agreements and not one of the credit agreements states anything about the alleged debts being sold to a third party to be collected in my name and making me responsible for them. Portfolio Recovery pays XXXX cents on the dollar for these debts as well and demands consumers pay the full amount that was already charged off by the original creditors and reported on their taxes for tax breaks. 
I appreciate your help in this matter. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX closed my account with amount still owe on the card. I been making payment on time. No one explain to me that I have promotional balance. They already charged me interest in the past and a small monthly interest. since the account have been closed, I kept making payment with small interest that I been charged every month.I planed to keep making payment until the account is paid in full. Today I received and email with {$4200.00} Just in interest. I called the company and spoke with customer service and manger, explain to them that I never received the bill and I never been late on my payment or missed a payment. I offer them to pay the amount left in full if they are willing to work with me and wave the interest charge. They declined and said they are unable to work with me due to the account being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: OR

Complaint narrative:
I recently reviewed my entire consumer report and noticed I have unauthorized inquiries on my report. I never authorized XXXX XXXX XXXX XXXX XXXX XXXX pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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:
I did not give this financial institution any authorization to have use my personal or financial information. Therefore, the personal and/or financial information they've aquired and have reported related to any hard inquiries, late payments, missed payments, credit card utilizations, charge offs, collections are all based on my personal and financial information that has been stolen ; this is Identity Theft " when someone uses your personal or financial information with you permission '' - FTC. Per FCRA, They are to block and stop reporting all information respectively moving forward no later than XXXX business days from date of being notified. ( 15 USC 1681c-2 ). In addition, this information is private and should not be disclosed to any one with my written assent. I do not want my private information accessible to anyone I did not give written consent to. I am also using my right under the GLBA 15 USC 6802 to opt out of any financial institution I do business with to report my personal/financial information listed above to be reported to any third party company. I would like my privacy respected.

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 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
This complaint involves Pentagon Federal Credit Union. Beginning in XX/XX/year>, we began noticing our checking account balance would always be showing far lower than expected even though there had been no changes to deposits or monthly bills, but we couldn't pinpoint any obvious issues. We did have a large number of recurring small payments on purchases financed through services such as XXXX, XXXX, and XXXX and some appeared on our statement to be possibly duplicate charges, but we couldn't tell for sure. In XX/XX/year>, we noticed a duplicate withdrawal for our water bill paid to XXXX XXXX. The water utility said they only did a single debit from our account that we had approved. We went to the XXXX branch of Pentagon Federal Credit Union to see what was going on. The bank manager did concede there had been an attempt to debit our account XXXX  for the water bill but that XXXX charge had been reversed. We asked about the other abnormalities in our account and the bank manager accused us of not properly managing our finances. We subsequently changed banks and since then have not had any problems with our balance being unexpectedly low. We now suspect that a Pentagon Federal Credit Union employee was taking money from our account by disguising the debits to be in the same amount as other authorized debits but then diverting the money elsewhere, and this was going on from 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 explanation