vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
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: Chime Financial Inc
State: AZ

Complaint narrative:
I have filed multiple disputes they have dented all of them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I NOTICED SOME UNAUTHORIZED INQUIRIES ON MY REPORT & ACCORDING TO THE FCRA I'D LIKE TO HAVE THEM REMOVED IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: FC HoldCo LLC
State: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX, I NOTICED SOME UNAUTHORIZED INQUIRIES ON MY REPORT & ACCORDING TO THE FCRA I'D LIKE TO HAVE THEM REMOVED IMMEDIATELY. 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 explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I received a Hard Credit Inquiry notice on one of my Credit Monitors. 

When I looked into it, the pull came from XXXX XXXX XXXX. 

I called thXXXX XXXX XXXX XXXXi who helped direct me to Concora Credit. 

I called Concora and spoke with them and supplied the info I had. They have No Records of any such inquiry being made on their end ( after searching with my SSN, DOB and some info ) They told me to dispute it with XXXX. So I called XXXX and disputed it. 

They directed me to the FTC ( FTC Report # XXXX ) and going through these prompts it directed me to the CFPB to file the report since it was credit card related. 

I went ahead and froze my Credit Bureau accounts last nigh. 

But do want to dig in to this. I have not applied for credit in approx XXXX months, so I am not sure who was trying to run my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was on vacation in XXXX from XXXX XXXX XXXX XXXX where XXXX XXXX  and additional XXXX assault occurred on XXXX Flight XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI ended my trip early. 

A XXXX right to life group was housed in XXXX I remained at ; XXXX XXXX whereas Patrons from the Bar began harassment XXXX minutes post Check in. 

These items were reported to XXXX XXXX walk, XXXX, Law enforcement XXXX Florida and XXXX XXXX XXXX XXXX Police. 

I asked TD Bank holder of my Debit card to return Losses based on intentional penal code actions. Merchant Complaint was filed within All merchants of which TD Bank denied me return of funds. All Copies of law enforcement reports provided to TD Bank of which TD failed to permanent return of funds and advised Customer no Appeal Process within TD bank exists for reconsideration by TD Bank. What steps within enforcement can CFPB take to ensure FDIC and Consumer Protection laws are enforced. Reporting of Crime ; provides Commercial Banks effective immediately return Any credit card purchase due with Incident and preventive measures within victims public safety concerns. TD bank was unwilling to accept Police reports as proof of reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Stellantis Financial Services US Corp.
State: MD

Complaint narrative:
We were XXXX  days late on car payment. 
They contacted my wife 's work and left detailed message with a coworker about the debt, how long it was past due, etc. And this after telling them not to contact work and payment arrangement was made but not processed.

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 2024-05-08 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: IL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2024-05-08 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: CORELOGIC INC
State: NY

Complaint narrative:
I'm writing to request that my consumer report for XXXX and this month and my consumer file be sent to myemailaddress 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 2024-05-08 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: TN

Complaint narrative:
It has been brought to my attention that the there are some fraudulent inquiries on my report that are not authorized by the following companies. 

ACCOUNT NAME : 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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give the XXXX credit reporting agencies permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. 

The companies involved have not been able to produce the contract and a complete investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: TN

Complaint narrative:
It has been brought to my attention that the there are some fraudulent inquiries on my report that are not authorized by the following companies. 

ACCOUNT NAME : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give the XXXX credit reporting agencies permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. 

The companies involved have not been able to produce the contract and a complete investigation as per the Fair Credit Reporting Act section 611.

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 2024-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
This XXXX company initiated contact with me nearly XXXX weeks ago, claiming to discuss an urgent matter. When I requested that they provide me with the original bank documents related to an alleged failure to repay them and requested more detailed information because I have no recollection of this matter at all, they never sent the original files. 
They also email me XXXX sign in form which they want to hold me responsible for this debt automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
In Alaska nonjudicial foreclosure sales require strict adherence to legal procedures, including ensuring that the legal descriptions of the properties are accurate. If the legal description of a property is incorrect, the foreclosure sale can not proceed as it may lead to potential legal disputes and challenges from interested parties. 

It is important for lenders and foreclosure trustees to carefully review and verify all legal descriptions of the properties before initiating a nonjudicial foreclosure sale in Alaska. Any errors or discrepancies in the legal descriptions should be promptly addressed and corrected to avoid any delays or complications in the foreclosure process. 

In case of incorrect legal descriptions, lenders may need to seek legal advice and assistance to rectify the issue and ensure that the foreclosure sale can proceed in compliance with Alaska 's foreclosure laws. It is crucial to follow the proper legal procedures and requirements to avoid any potential legal challenges or complications during the foreclosure process.

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 2024-05-08 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-08 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a XXXX charged-off XXXX XXXX credit card that continues to appear on my credit report. This account, with partial number XXXX, was opened on XX/XX/XXXX. Despite the Fair Credit Reporting Act 's ( FCRA ) seven-year limit for reporting negative information, this charged-off account remains on my credit report, causing significant harm to my credit score and overall financial opportunities.

Legal Grounds for Complaint Fair Credit Reporting Act ( 15 USC 1681 ) The FCRA stipulates that negative information like charge-offs should be removed after XXXX years from the date of the original delinquency. Since this charge-off is over XXXX years old, it should no longer be reported. 
Fair Credit Billing Act ( 15 USC 1666b ) The Fair Credit Billing Act requires creditors to promptly correct billing errors and discrepancies. The continued reporting of this charge-off could indicate improper handling of account information.

Privacy Act of 1974 This act ensures consumer privacy and control over personal information. The continued presence of a charged-off account beyond its permissible reporting period raises privacy concerns. 
Fair Debt Collection Practices Act ( 15 USC 1692 ) The FDCPA prohibits unfair or deceptive practices in debt collection. The ongoing report of a charged-off debt may suggest improper debt collection practices.

IRS Regulations on Discharged Debt According to IRS rules, a discharged or forgiven debt should not be reported on a credit report. Additionally, the absence of a 1099-C form, which confirms a discharged debt for tax purposes, raises questions about the accuracy of this charge-off. 
Requested Actions I request the following from the CFPB : Immediate Removal of the Charge-Off Given that the charge-off is over XXXX years old, it should be removed from my credit report. 
Investigation into Compliance with IRS Regulations Examine whether Capital XXXX issued a XXXX, as required by IRS regulations XXXX for this charged-off debt. 
Review of Account Handling Investigate whether XXXX XXXXXXXX violated any provisions of the Fair Credit Reporting Act, Fair Credit Billing Act, or Fair Debt Collection Practices Act. 
I request a prompt response and appropriate action to correct this situation. If further information or documentation is required, I am prepared to provide it upon request. Thank you for your attention to this matter, and I look forward to hearing from you soon. 

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 non-monetary relief
Consumer complaint received 2024-05-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a 7-year-old charged-off XXXX  XXXX credit card that continues to appear on my credit report. This account, with partial number XXXX, was opened on XX/XX/XXXX. Despite the Fair Credit Reporting Act 's ( FCRA ) seven-year limit for reporting negative information, this charged-off account remains on my credit report, causing significant harm to my credit score and overall financial opportunities. 

Legal Grounds for Complaint Fair Credit Reporting Act ( 15 USC 1681 ) The FCRA stipulates that negative information like charge-offs should be removed after seven years from the date of the original delinquency. Since this charge-off is over seven years old, it should no longer be reported. 
Fair Credit Billing Act ( 15 USC 1666b ) The Fair Credit Billing Act requires creditors to promptly correct billing errors and discrepancies. The continued reporting of this charge-off could indicate improper handling of account information. 
Privacy Act of 1974 This act ensures consumer privacy and control over personal information. The continued presence of a charged-off account beyond its permissible reporting period raises privacy concerns. 
Fair Debt Collection Practices Act ( 15 USC 1692 ) The FDCPA prohibits unfair or deceptive practices in debt collection. The ongoing report of a charged-off debt may suggest improper debt collection practices. 
IRS Regulations on Discharged Debt According to IRS rules, a discharged or forgiven debt should not be reported on a credit report. Additionally, the absence of a 1099-C form, which confirms a discharged debt for tax purposes, raises questions about the accuracy of this charge-off. 
Requested Actions I request the following from the CFPB : Immediate Removal of the Charge-Off Given that the charge-off is over seven years old, it should be removed from my credit report. 
Investigation into Compliance with IRS Regulations Examine whether XXXX  XXXX issued a 1099-C, as required by IRS regulations XXXX for this charged-off debt. 
Review of Account Handling Investigate whether XXXX  XXXX violated any provisions of the Fair Credit Reporting Act, Fair Credit Billing Act, or Fair Debt Collection Practices Act. 
I request a prompt response and appropriate action to correct this situation. If further information or documentation is required, I am prepared to provide it upon request. Thank you for your attention to this matter, and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief