vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: IA

Complaint narrative:
I am writing to express my profound concern and distress regarding a series of events that have led to the unauthorized access and draining of my Chime account. 

On XX/XX/XXXX, I became the victim of a phishing scam, receiving a fraudulent text message impersonating Chime, which resulted in my phone being compromised and rendered inoperable. This unfortunate incident prevented me from receiving timely notifications about my account activities, including an early deposit of my paycheck on XX/XX/XXXX. 

In the subsequent period, from XX/XX/XXXX to XX/XX/XXXX, I was unable to access my Chime account due to two-factor authentication requirements linked to a phone number that was no longer accessible to me. After updating my contact information to my work number, I was finally able to speak with a representative. To my dismay, I was informed that my account had been completely drained. In a state of shock, I reported that all transactions post my paycheck deposit were unauthorized, as I had no online access to my account to verify these transactions myself. The representative filed a dispute on my behalf for all transactions during this period. 

Regrettably, I have been unable to log into my Chime account since then and have had to rely on phone calls to check my balance. No provisional credit has been issued to my account, which is particularly alarming given that this is not the first security breach I have encountered with Chime. 

Upon regaining access to my account, I was astounded to discover that my dispute was denied on the very day it was made, without what I believe to be a proper investigation or due consideration of the circumstances that led to the compromise of my account and the theft of my funds. Under Regulation E, I am entitled to dispute unauthorized transactions and request a thorough investigation into such matters. The supporting documents I have received do not adequately reflect the unauthorized access to my account nor do they provide a transparent account of the decision-making process that led to the denial of my dispute. 

I am urgently requesting a comprehensive review of my case and the return of the stolen funds. It is imperative that Chime adheres to its obligations under Regulation E to investigate and resolve such disputes promptly and fairly. I trust that Chime will take immediate action to rectify this situation and provide a detailed explanation of the actions taken to secure my account against future breaches. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the rights and protections afforded to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I'm constantly receiving multiple calls a day from Midland Credit Management concerning an allege debt which is a violation of my consumer rights under 15 USC 1692 ( c ) of the Fair Debt Collections Act. I've informed Midland Credit Management to use my mailing address for all correspondences, yet they ignored my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Someone had opened a cell phone account fraudulently in my name. This was disputed with XXXX XXXX XXXX, they had closed the case and had reported to ftd.gov. I also have reported it to XXXX XXXX. Complaint # XXXX After the closing the complaint I have been receiving notice of collection from different agencies. I have reported to FTD.gov as well. 
I should not be responding to every agency every time. 
Please remove this debt and stop forwarding to others and find the individual who is responsible for it. 
Thank you

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/year>, I called to pay off my account referenced above for {$860.00} so that I can received a XXXX-balance letter from Capital One. 
The representative at the Charged Off department instructed me to settled for {$700.00} and stated that I will be emailed a Paid-Full letter stating a XXXX balance. 
The letter received from Capital One did not state Settled in Full nor XXXX balance. Attached hereto are the letters stating unacceptability by XXXX and XXXX. 
My repeated calls and requests to Capital One to provide a letter stating a XXXX balance and Paid in Full have been ignored. Capital One unwillingness to change course of action is jeopardizing my ability to purchase a home. 
Capital One, XXXX and XXXX have violated Section 5 of the FTC ACT. As so stated, Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), prohibits unfair or deceptive acts or practices in or affecting commerce.

Misrepresentations or omission of material fact constitute deceptive acts or practices prohibited by Section 5 ( a ) of the FTC Act. 
I am requesting Capital One to immediately resolve this misguidance by sending requested letter that state SETTLE IN FULL with XXXX Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: GA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX  ) 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 in ( MONTHS REPORTING LATE ) to be removed.

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.

( XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was wondering why I couldn't afford even a slight help from a psychiatrist but then I remember that my loans are all getting declined because I do not have a credit score enough to get one. This is because inaccuracies are being reported on my file.

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 2024-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/year> on the phone and the membership dept of Experian and they are giving false info to their insurance company they use for identity theft, which is XXXX. Saying I only had ID theft protection since XXXX of 2024 which is false. Ive been paying for nearly 2 years XXXX for identity theft protection and so when I went to make a claim to XXXX about identi is denying my identity theft claim. They are committing insurance fraud too, becus i didnt get notice of coverage from XXXX XXXX which Experian was supposed to provide.

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 2024-07-19 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: DISCOVER BANK
State: NY

Complaint narrative:
Applied for personal loan with Discover. Denied because they could not verify my credit information/ application information. No clarity provided over the phone regarding what information was needed/ missing. Adverse notice provides close to zero explanation on rejection for loan. Discover did not request to verify all loan application information before processing hard inquiry. Discover representative assured me that I was preapproved and presented the hard inquiry as a mere formality. 

XXXX was not up to date and could not confirm whether it should be updated automatically by XXXX or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This is my last notice before I move to litigation. You are reporting fraudulent accounts on my credit. Never had these accounts. I have already reported these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After carefully reviewing my consumer report, I notice several inaccuracies. I am requesting for a full investigation of the account listed below to make sure this account is accurate. It is my right as a consumer to request such action under the FCRA. 

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 explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: CA

Complaint narrative:
I got a text message stating I have a so called debt. I called and provided the reference number ( included in the text message body ). They called me by first and last name, so that means they have some personal information about me. I proceeded to ask them to send the Purchase agreement for this so called debt. I requested all the information pertaining to this so called debt. I also stated that if this information can not be provided, they must deleted this from my credit report. They were unwilling to do so and disconnected the call. I called a second time, this time speaking to a different person. We had a similar conversation. After the information was asked to be forwarded, she disconnected the call as well. It is obvious they do not have the proper information to be collecting a so called debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally request the immediate removal of incorrect child support debt information currently listed on my credit report. This request is in accordance with the Fair Credit Reporting Act ( FCRA ) and recent court rulings that restrict the use of consumer reports for certain types of collections. 

Despite the important notice issued by XXXX regarding the inapplicability of consumer reports for collecting delinquent child support, my credit report still reflects such a debt. The specific details of the debt in question are as follows : Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has a {$18000.00} balance and XXXX XXXX has a {$16000.00} for a Combined total of {$34000.00} as of XX/XX/year>. 
Recent federal court decisions, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( Case XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), have clarified that delinquent child support obligations do not arise from a " credit transaction '' and therefore should not be reported on consumer credit reports. 

XXXX 's notice explicitly advises third-party collectors and related entities to obtain a consumer report only when : There is a court order authorizing the provision of the consumer report. 
There is written authorization from the debtor. 
There is a contractual agreement that qualifies as a credit transaction. 
I have never provided written authorization for the reporting of this debt, nor is there any court order or relevant contractual agreement. Therefore, the reporting of this child support debt is a violation of the FCRA. 

Please be aware that continued reporting of this incorrect information not only violates federal law but also subjects XXXX, Experian and XXXX to potential civil liabilities, including statutory damages, actual damages, and attorneys ' fees. The FCRA allows consumers to seek damages for willful noncompliance, which can amount to up to {$1000.00} per violation, plus punitive damages and any legal costs incurred.

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: AL

Complaint narrative:
My account with MERCEDES BENZ FINANCIAL 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 in those account to be removed.

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.

MERCEDES BENZ FINANCIAL Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief