vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I made a transfer of the total amount of XXXX COP = XXXX EUR with transaction number ID XXXX. Unfortunately, the money has not yet reached its destination due to an internal error with WorldRemit. WorldRemit informs me that they are experiencing an issue and are working on a solution, but it may take longer than expected. No one provides me with further details, and when I request cancellation, I am informed that I can not cancel it. I am left without the money and without a resolution. When I contact customer service, they ignore me, stating that they have already informed me that they are working on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I recently discovered several accounts on my credit report that are inaccurately reported. These accounts include a collection account with XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX ), and charge-off accounts with XXXX XXXX and 3 different accounts with JPMCB CARD. I want to emphasize that I do not owe any debts associated with these accounts, and they should be promptly removed from my credit report to reflect accurate information. I believe these inaccuracies are damaging my credit score and financial reputation unfairly. Your assistance in resolving this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: GA

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Dear Sir/Madam, I am writing to formally dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing the document, I discovered several unauthorized and potentially inaccurate inquiries that I have not initiated nor provided authorization for. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request an investigation into these discrepancies and to have them rectified accordingly. 

Below, I have outlined the details of the disputed inquiry : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> I have no recollection of initiating any transaction or applying for credit with XXXX XXXXXXXX. Therefore, I am concerned about the accuracy and legitimacy of this inquiry. Given that I did not provide authorization for this inquiry, I am questioning its validity and authenticity. 
As per the FCRA, I understand that it is your responsibility to conduct a thorough investigation into this matter. I urge you to verify the legitimacy of the inquiry with the respective creditor and provide me with verifiable proof of your findings and actions taken. It is imperative that this investigation is completed within a reasonable timeframe, as mandated by law. 
Furthermore, I would like to emphasize the importance of adhering to the FCRA 's requirement for consumer reporting agencies to ensure the maximum possible accuracy of the information contained within consumer reports. Any inaccuracies or discrepancies can have significant repercussions on my financial standing and creditworthiness. 
In light of the above, I request that you promptly remove the disputed inquiry from my credit report if it can not be verified or if it is found to be inaccurate. 
Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism.

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 2024-05-01 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:
on XXXX, i sent a complaint to transunion, XXXX, and XXXX  informing them that i was a victim of identity theft and by the FCRA requesting that the information to be deleted after 4 business days. today is XXXX XXXX and its still reporting on my credit 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 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: DC

Complaint narrative:
On XX/XX/year> I received 2 emails and 1 text message from Chime regarding my 'new account ' with them. I never set up any sort of checking account or any other type of financial account with them. I contacted them and requested that they close the account immediately. They originally told me they would close it in 7 days ( even after I told them it was fraudulently set up! ) but after pushing back and telling them it needed to be closed ASAP, they complied and completed my request. I received notification that it was closed. 
When I contacted them, all I had to do was provide my full name and date of birth and they were able to pull up my account. They asked for the last four digits of my SSN but I did not provide that due to the fraudulent nature of this issue. But they had my full name, DOB, email address, phone number and mailing address. None of which I ever provided them. I also received a debit card to my home for this new account. Again, never opened up an account with Chime/XXXX XXXXXXXX XXXX XXXX 
So, either someone used my identity to set up a new bank account. Or, Chime fraudulently set this up themselves in an attempt to lure me in as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-05-01 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: EQUIFAX, INC.
State: OH

Complaint narrative:
To whom it may concern : I received a copy of my credit report and I am disputing some items that need to be DELETED. I have highlighted and number theses disputed items below. The reasons why theses items need to be disputed are statement below. 

Items # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER # - XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CREDITOR XXXX XXXX XXXX ACCOUNT NUMBER # XXXX XXXX ACCOUNT NUMBER # XXXX According to the provision of the Fair Credit Act 611 ( a ) [ 15 USC 1681j ( a ) ] selection 602 ( A ) states I have the right to privacy. Therefore I Demand the Harassment stop and I be respected until these disputed items must be reinvestigation or deleted from my credit record within 30 days. During the investigation period, theses items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activities. 15 U.S.C 1681 Section 604 ( A ) Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. I am also requesting the Names, Addresses and Telephone Numbers of individuals you contacted during the investigation.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer by any consumerreporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. All items must be Deleted.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 U.S.C. 1681j ( a ) ( 6 ) ]. I am requesting updated copy of my credit report which can be sent to the address listed below. According to provision 612 [ 15 U.S.C. 1681j ], there should be no charged for this report. 

If you have any questions or need additional information, please contacted me at the address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: IN

Complaint narrative:
In response to my 1099c copy b form iv received. The claim made of my copy B document from Nelnet stating the document enclosed with your complaint determined the IRS Form 1099-C provided is fraudulent and was not sent to you by Nelnet To this my question is, in writing what exact evidence is XXXX XXXX of Nelnet providing to make such a claim? of the legitimacy of my Copy B form. To then follow through with your false assumption of the1099C copy B form as that of a Fictitious Financial Instrument '' yet with no stated evidence on this claim? As it seems to be of either ignorance or lack of capability to uphold your duties appropriately.

Three copies originate from the 1099C Form for forgiveness or cancellation of a debt. Copy A, B and C. Copy A as that of what the lender or Nelnet in this case has filed with the IRS. Copy C then being retained and kept for the creditor, while sending copy B to the debtor in this case myself to be kept for my own records as well as filed and included as income taxes on form 1040.

As provided and attached to this complaint the following information matches Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address ( as specified exactly from the address XXXX XXXX you provided in your own letter in the top left hand corner? ) Attention to XXXX XXXX XXXX, current CEO of Nelnet. XXXX XXXX number provided as shown in the creditor box, As well as my own social in the debtors box. All necessary requirements as for any other Copy B form one would receive from a creditor. It'd be a wise decision to even call the IRS yourself when this 1099C Form was submitted for acceptance to further prove its validity. I ask again, what exactly have you come to deduce that makes this document fraudulent? If no evidence is provided then I respectfully ask to make the following reflection for the 1099C Copy B student loan nelnet account E951999315. With the 1099-C IRS form Copy B total amount forgiven and discharged of {$13000.00}. If this escalates into further conflict and your avoidance ultimately leading to alleged tax law violations. I'll have no other choice but to inform the IRS upon these violations you are commiting via filing a 3949A, or Information Referral immediately for these alleged income tax violations committed by you and Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax reported a total of 9 inquiries on my credit report that I had no knowledge of and the companies who requested my credit information from Equifax was not authorized by me and I had no knowledge of this being g done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: FL

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Hi there, I opened a checking account with Citi on XX/XX/XXXX, during a promotion offering a bonus of up to {$2000.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The promotion requires that " New-to-Citibank Funds '' be deposited into the new checking account within 20 days of account opening. The balance on the XXXX day determines the maximum eligible cash bonus. Since there is no Citi bank near my area ( zip code : XXXX ), I had to mail the check to fund my account. Concerned about mailing delays, I spoke with a Citi agent before opening my account. They assured me that if the check was mailed within 30 days, I would still be eligible for the promotion. Consequently, I mailed my check on XX/XX/XXXX, and the funds ( around {$75000.00} ) were deposited into my checking account on XX/XX/XXXX. According to their promotion policy, I should receive a {$1000.00} bonus. However, after waiting for the bonus and following up with Citi multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I've had mixed responses. Initially, Citi agents confirmed my eligibility and promised to resolve the issue and send the bonus. Later, they claimed I did not qualify because the funds were deposited outside the XXXX window. Despite explaining the initial assurance I received about the XXXX window for mailed checks, the issue remains unresolved. After many frustrating calls, Citi told me to fill XXXX form to get the Bonus. I did send them the XXXX form by email and it got rejected. Later on, Citi asked me to go to their brunch to fill the XXXX form with ID. I went to the Citi XXXX in XXXX XXXX on XXXX, XXXX and filled XXXX forms and get my Passport copied. At that time the XXXX confirmed that's everything they need to provide me the Bonus. Now when I called the Citi agent again today ( XXXX ) to check the status of this promotion bonus, the agent told me I am not qualified and they want me to fill the XXXX form again through email. This sounds ridiculous. How many time they told me to fill the XXXX forms? I got the impression that Citi just use many excuses to reject my Bonus. I aksed the XXXX to transfer to her XXXX but later on the convsersation was disconnected ( Maybe intentionlly ) and the Citi never called me back again. I am so impressed by Citi Bank 's attitude towards their customers. I can't believe such a big bank is trying to find many excuses to reject the promotion bonus they were supposed to pay.

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 2024-05-01 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: MD

Complaint narrative:
EXPERIAN, as mandated by the FCRA, must ensure the accuracy of reported information. The consumer has reported to Experian XXXX that the XXXX XXXX account ( XXXX ) listed is fraudulent. Experian had XXXX days, as required by law, to remove this item. An FTC fraud report was filed regarding this matter. The consumer now requests Experian to provide the documentation used to establish the AUTHORIZATION of this account. Experian has XXXX days to furnish the consumer with the names of the individuals spoken to, documentation used, signed application, with the consumer 's wet ink signature. The consumer is NOT seeking an e-oscar report. If Experian lacks documentation demonstrating the authorization of this account, it MUST BE REMOVED IMMEDIATELY. 
Experian XXXX : XXXX EXPERIAN IS SECURITIZING CONSUMER DATA, YET REFUSES TO PROVIDE THE CONSUMER WITH A COPY OF THEIR CONSUMER FILE, NOT A CONSUMER 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To Whom It May Concern : I am writing to inform you that I am victim of identity theft and therefore I am challenging the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of. 

I am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION

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 2024-05-01 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-05-01 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: PR

Complaint narrative:
Recently i looked at a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item i am asking to verify as accurate 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 2024-05-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2024 - Contacted Experian regarding XXXX items to be disputed on my credit report. XXXX XXXX my credit report does not exist! I asked to speak to a supervisor and none were provided. I called XXXX times and was sent to an automated system that will only allow me to request my report with an AI machine or by mail.

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 2024-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TradeStation Group, Inc.
State: CA

Complaint narrative:
Opened tradestation brokerage account XXXX months ago with promotion deposit XXXX and more and get XXXX. XXXX was made on XX/XX/2024. After XXXX months, tradestation still didn't credit the XXXX bonus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I get around XXXX calls a day by this company and 90 % of the time it is a robo call that does not say anything and just hangs up. The calls are by multiple different numbers. It is childish and I'm sick of it

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