vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I JUST LOOKING OVER MY CREDIT REPORT AND FOUND SOME ADDRESS THAT APPEAR TO BE INCORRENT. I ; VE ENCLOSED DOCUMENTION PROVIDING PROOF OF MY CURRENT ADDRESS AS INSTRUCTED TO DO YOUR WEBSITE. I ALSO NOTICED THAT MY NAME APPEARS TO BE MISSPELLED, ON MY CREDIT REPORT. MY NAME ONLY HAS ONE CORRECT. THERE SHOULD BE NO VARIATIONS LISTED BECAUSE MY NAME HAS NO VARIATION. MY PHOTO ID ENCLOSED TO SHOW THE CORRECT SPELLING. ONCE AGAIN IN ORDER TO MAKE THE PROCESS OF ACTION EASIER HERE ARE THE INCORRECT SPELLING ISEE LISTED. 

INCORRECT NAMES XXXX XXXX XXXX INCORRECT ADDRESS XXXX XXXX XXXX ALL OTHER ADRESS INCORRECT PHONE NUMBER PLEASE REMOVE INACCURATE EMPLOERS AS WELL AS LIST BELOW ; XXXX XXXX ONCE YOU HAVE DELETED THE INACCURATE NAMES AND ADDRESS FORM MY CREDIT REPORT, PLEASE SEND ME A COPY A COPY OF XXXX 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 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unifin Inc.
State: VA

Complaint narrative:
I received a text on my cell phone recently from a company called Unifin claiming that I have an unpaid debt in the amount of {$490.00}. Their reference number regarding this claim is XXXX. I absolutely ( one hundred percent ) dispute this claim! I think that it is either fraudulent or ( to be charitable in the extreme - possibly mistaken ) and I am therefore seeking assistance from the Consumer Financial Protection Bureau to rebut this ( supposed ) unpaid debt. Unifin have not told me to whom I ( supposedly ) owe this amount to. This makes me very suspicious of their motives and methods of operation. Please advise what assistance you can provide in disputing this claim and what you would recommend that I should do next. Thank you and Sincerely - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this 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 non-monetary relief
Consumer complaint received 2024-09-29 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:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
Robinhood XXXX XXXX Credit Card offer me a card I believe in the month of XXXX with an annual fee of {$50.00}. On XX/XX/year>, just a month after, I was charged the mentioned annual fee. I contacted the company this month because I realized that on top of the annual fee, I was charged a late fee. I told them that I do not signed up to be charged for an annual fee that is in course and that is a deceiving practice that the company is doing. I requested to cancel any membership and account that I have with them I was told that they will be charging me the late fee if I do not pay the balance of {$110.00}, which includes, {$50.00} annual fee, XXXX late fee of {$25.00}, XXXX late fee {$40.00}, XXXX interest charge of {$0.00} and XXXX interest charge of {$1.00}. 
I explained to the representative that why should I pay for an annual fee that is still in course, and late fees for a card I have never used. His response was that even though the account has been closed, I am still responsible for the balance. 

I urge CFPB or any other agency responsible for enforcing transparency and accountability on companies with such a deceptive policy and practices to ensure to comply with fairness to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Provided a payment plan that did not disclose will still be reporting account delinquent when offering a low assistance payment plan. Then decided to report the account delinquent.

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 2024-09-29 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: MS

Complaint narrative:
XX/XX/scrub>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 Login to chime and all my money that I just received is going to XXXX I know I don't have no dealing with XXXX or anything close to that so why they taking my money but I never received a text message from chime about nun of these transactions from them never received anything about if this transaction authorize by you so it's chime fault and there not owning up to it. Enclosed are copies of the following documents, evidencing the fraudulent activity :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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 am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.

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 2024-09-29 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: FL

Complaint narrative:
Account Name XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. The following account ( List name and number of account ) is reporting a balance of ( enter balance amount ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( enter balance amount ) on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my XXXX, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: FL

Complaint narrative:
**Consumer Name : ** XXXX XXXX **Consumer Social Security Number : ** XXXX **Consumer Date of Birth : ** XX/XX/XXXX **Contents of Complaint : ** To Equifax, This is an uncompromising CFPB complaint demanding urgent and immediate action. Under the strict and non-negotiable provisions of FCRA 605B ( 15 U.S.C. 1681c-2 ), Equifax is ordered to block and remove the fraudulent information on my credit report within an inflexible deadline of XXXX business days upon receipt of this complaint. 

The fraudulent accounts, which must be eradicated without hesitation, are : XXXX XXXX  on XXXX, XXXX account number XXXXXXXX XXXX XXXX account opened on XXXX, XXXX account number XXXX, and a XXXX  XXXX account opened on XXXX, XXXX account number XXXX. 

These fraudulent accounts have resulted in unauthorized hard inquiries and false collections tarnishing my XXXX credit report. I emphatically reject any insinuations that I authorized these accounts, emphasizing that they are irrefutable evidence of identity theft and fraud. 

Enclosed is the FTC Identity Theft Criminal Complaint ( # XXXX ), undisputed documentation from the U.S. Federal Trade Commission proving the fraudulent nature of these accounts, collections, and inquiries. 

Failure to act with immediate and decisive force to block and obliterate this fictitious information from my credit report will not be tolerated. Should Equifax fail to respond within the stated time frame, be prepared for relentless and aggressive legal action to enforce my rights under the FCRA. 

This is a final directive, not a request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: MA

Complaint narrative:
I looked at a copy of my credit report and noticed several inaccuracies on my report. 
these accounts are hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy here is the items Iam asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: FL

Complaint narrative:
I am a XXXX XXXX XXXX XXXX and as a result of this exploitation, multiple fraudulent collection accounts have been reported on my credit file under XXXX XXXX XXXX XXXX XXXX with the original creditor being XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened without my knowledge or consent during the period I was being XXXX 

# # # Here 's a detailed breakdown of what happened : - **Duplicate Reporting : ** The same debt is being reported multiple times with varying balances ( {$1400.00}, {$640.00}, {$750.00}, {$210.00}, {$510.00}, {$990.00}, and {$400.00} ), all opened on the same date ( XX/XX/year> ) and last reported on XX/XX/year>. This is misleading and violates the Fair Credit Reporting Act ( FCRA ) Section 623, which mandates that creditors must report accurate information. Reporting the same debt multiple times is causing severe damage to my credit score and financial stability. 

- **Misleading and Inaccurate Information : ** By allowing the same debt to appear multiple times, the credit bureaus are failing to provide accurate and complete records, as required under FCRA Section 607. This inaccurate reporting presents a distorted view of my financial history, which is particularly unjust given that these entries are tied to my victimization. 

- **Failure to Properly Verify Debt : ** Despite disputing these entries with all three credit bureaus, they continue to report this debt in multiple instances, violating FCRA Section 611, which requires that disputed debts be verified within 30 days or removed if proven inaccurate. Despite my evidence and dispute, no proper verification was conducted, and the entries remain.

- **Unfair Collection Practices : ** The repeated reporting of this debt by XXXX XXXX XXXX  can be seen as harassment and is a violation of the Fair Debt Collection Practices Act ( FDCPA ). This act prohibits debt collectors from engaging in deceptive practices, such as reporting the same debt multiple times to inflate the total amount owed or to harm a consumers credit score unjustly.

These inaccurate and duplicated entries have caused significant financial and emotional distress as I work to rebuild my life after escaping XXXX XXXX I am requesting immediate action to rectify this situation by removing all fraudulent and duplicate entries from my credit report across TransUnion, XXXX, and XXXX. This resolution is essential for me to restore my credit profile and move forward from this traumatic experience.

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 2024-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I am full class/ automatic group of the XXXXXXXX XXXX XXXX  XXXX. I applied for XXXX in XXXX, XXXX, XXXX, XXXX. My loans were to be forgiven, and removed from my accounts, FSA and credit report XX/XX/XXXX. Navient has missed the dates for removing them from the account and keeps giving me the run around that they dont have too. 

These need to be removed immediately from all accounts and credit bureau. 

Im reporting this to the judge XXXX, Attorney General and filling more complaints with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
The company approved a loan modification with larger payments than original loan. The approved loan modification was effective XX/XX/year> with initial payment XXXX. The payments were astronomically high because of the miscalculation from HAMP procedures. I failed to make the large payments from miscalculated HAMP loan modifications and was denied a additional loan modification XX/XX/year>. In return caused my home to go into foreclosure and forcing that I sale home under value with a short sale. The miscalculations from HAMP cause me loan denial and a forced foreclosure.

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 2024-09-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I closed my XXXX XXXX account via the chat agent on XX/XX/year> and there were no pending charges at that time. Note that XXXX tries to schedule a phone call with you to close the account but will not schedule it until after the next billing cycle has begun to try to charge you for another month. Instead, I worked with the Chat agent who sent me a link to close the account and of course I have screen shots of the entire transaction. The XXXX XXXX XXXX XXXX even sent me a message via text saying that my case had been closed and no further action was required. I also returned the XXXX equipment they requested at that time and of course have that receipt as well. 

Ignoring all this, XXXX continued to bill me even though I reached out to them numerous times to remind them that the account was closed on XX/XX/year>. On XX/XX/year> I sent them a paper letter again reminding them that the account had been closed in XXXX and included all documentation and receipts. 

XXXX ignored this letter as well, continued to bill me, and sent threatening letters and emails about not paying my bill. 

It appears they continued to try and bill me after the account was closed, which I did and will not pay, then sent it to collections as if I had not closed the account. I sent them a letter with all details on XX/XX/year> and never received any response. 

At some point it appears they even sent it to a 3rd party collection agency as it showed up as a collection on my credit report in XXXX. Of course, I have disputed this with the credit bureau, but no one has yet responded. 

This is clearly some kind of scam by XXXX to keep billing customers even after they have disconnected their service. They make it very easy to obtain service on line, but apparently nearly impossible to disconnect your service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please 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 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 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 2024-09-29 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: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief