vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I am writing to formally dispute an incorrect debt amount reported by Transworld Systems Inc. ( TSI ) that is unfairly associated with my account. Despite my prior communication disputing this debt, TSI has sent me a bill that does not pertain to my account or reflect my living situation during the time in question. 

To support my claim, I have included the following documents as evidence : New Lease Agreement Demonstrating my current residence and tenancy timeline. 
Old Lease Agreement Confirming my prior address and tenancy timeline. 
XXXX XXXX XXXX Request Establishing the date I began utility services at my actual address. 
These documents clearly prove that I did not reside at the address tied to the disputed debt during the timeframe claimed. This misattribution has caused undue stress and is a misrepresentation of my financial responsibility. 

I request that this inaccurate information be removed from my account immediately. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to have disputed and incorrect information investigated and corrected. 

Please confirm receipt of this letter and update me on the status of this dispute within the time frame mandated by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I got a prepaid {$150.00} Amex card and every store I try to use it at, it gets declined. I checked the balance on Amex gift card and shows {$150.00} but wont let me use at 2 different stores. I XXXX it and seems like a very common issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-19 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: MI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I contacted XXXX regarding my escrow monthly payment increase of {$250.00} per month as of XX/XX/XXXX. I spoke with 3 representatives on XX/XX/XXXX- XXXX, XXXX and XXXX. I wanted to know why there is no option for me to spread the escrow shortage of approx. {$2000.00} over a period of more than 12 months, which is the maximum term the escrow shortage can be amortized according to XXXX. According to XXXX, the investor - XXXX, instructed XXXX to only allow escrow shortages to be spread over 12 months. I was told that I would have to modify my loan if I want a lower payment. I would like XXXX to respond to the following questions : 1. My loan is an Agency Loan - XXXX XXXX . Per agency guidelines, a servicer must allow the borrower to amortize escrow shortage for up to 60 months. How is XXXX and the investor allowed to only spread the shortage over 12 months and not allow a longer term. What law/regulation or agency guideline is being followed by the investor and SPS as the services. 
2. My taxes went up by a substantial amount in XXXX, yet XXXX waited an entire year to adjust the payment causing a larger shortage and a higher escrow payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-19 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: NY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXXXX/XX/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 2024-12-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-12-19 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2024-12-19 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-12-19 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
This is my second attempt to have this removed from my credit report. Celtic Bank/ Contfinco XXXX Acct XXXX XXXX This account has been sold to third parties at least three times. I disapproved of doing so. According to FCRA, I can request that my account not be sold or transferred to any third party without my explicit consent. According to FCRA, I have the right to control how my personal information is shared. Selling or transferring my account without my consent constitutes a violation of my rights under this federal law. 

I was sent several papers from Celtic Bank as of yesterday, XX/XX/2024. However, it does not show that I have ever received this information. They said that it was mailed to me, but it is funny that I never got it. Also, it shows the wrong telephone number. 

This is showing up negative on my credit report and it is hindering me.

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 2024-12-19 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: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am writing to formally report an issue with Chime Financial , Inc. regarding its handling of unauthorized transactions on my account. Chime has failed to comply with its legal obligations under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, resulting in financial harm and a breach of my consumer rights.

Summary of the Issue : 1. Unauthorized Transactions : My Chime account was hacked, and unauthorized transactions totaling {$600.00} were made. I immediately reported this to Chime and cooperated fully in their investigation.

2. Denied Disputes : Chime denied my dispute without providing clear documentation or explanation of their decision, as required under Regulation E.

3. Refusal to Reopen the Claim : Despite Regulation Es requirements, Chime refuses to reopen my claim unless I provide new or additional information. This places an undue burden on me and is not a lawful prerequisite to reexamine their decision. 

4.Inappropriate Questions : Chimes disputes team asked me to specify the additional documentation I have, which I believe is an attempt to deter me from pursuing my claim further. I have never been asked this in previous claims.

Violations of Federal Law : Chimes actions violate multiple provisions of the EFTA and Regulation E : Failure to Investigate Properly ( 1005.11 ) : Chimes denial of my dispute suggests an incomplete investigation. The burden of proof lies with Chime, not the consumer, to demonstrate that the transactions were authorized. 
Failure to Provide Documentation : Regulation E requires the financial institution to provide the consumer with evidence supporting its denial. Chime has failed to do so.

Unlawful Refusal to Reopen Claims : Chime is requiring additional information to reopen a claim, which is not a legal obligation for the consumer.

Requested Resolution : I request the CFPBs intervention to ensure that Chime : 1. Immediately reopens my dispute and conducts a proper investigation into the unauthorized transactions.

2. Reverses the unauthorized charges and restores my account balance to XXXX.

3. Provides all documentation and explanations regarding the initial denial of my dispute. 
4. Implements proper training for their disputes team to comply with federal consumer protection laws.

Supporting Evidence : I can provide : A timeline of my communications with Chime.

Proof of my initial report of unauthorized transactions.

Chimes notification of their denial and their refusal to reopen my claim.

Any other documentation you may require to support my case.

Thank you for addressing this urgent matter. Please let me know if additional information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-19 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: AL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

Account names and numbers : 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 15 U S C. 1681 section 602 A states I have the right to privacy.

15 U S C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U S C 1681c ( a ) ( 5 ) Section states No consumer reporting agency may make any consumer reports containing any of the following items or information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U S C 1681 5-2 ( a ) ( 1 ) A person shall 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: AL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

Account names and numbers : 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 15 U S C. 1681 section 602 A states I have the right to privacy.

15 U S C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U S C 1681c ( a ) ( 5 ) Section states No consumer reporting agency may make any consumer reports containing any of the following items or information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U S C 1681 5-2 ( a ) ( 1 ) A person shall 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.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: CA

Complaint narrative:
I had a XXXX student loan serviced by XXXX XXXX ( now MOHELA ). That loan, which was split into thirteen different acounts by XXXX XXXX, was marked as 90 days delinquent for two months in XXXX, when it should have been in forbearance ( I had a XXXX  and was unemployed ). I have a copy of the letter that should have placed the accounts in forbearance in XX/XX/XXXX. I disputed this with XXXX XXXX in XXXX by letter, never heard back, then it became MOHELA. I am not able to log onto MOHELA 's online portal because now my loans are fully repaid. I have sent them a letter and not heard back. The XXXX delinquencies are still significantly impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation