vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 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: 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 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 2024-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-04-12 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have sent several letters requesting statements and proof own this account for years and they have failed to provide this to me. I want validation and proof this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: AZ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CT

Complaint narrative:
In XX/XX/XXXX, I attempted to use my prepaid card and was unsuccessful. I called Money Network to find out why. I was told that the balance of {$2900.00} had been transferred to a bank account on XX/XX/XXXX. 

I indicated that I wanted to dispute this transaction as it was fraudulent. Several days later I received two pieces of mail from Money Network on the same day. One was a Customer Dispute Form, and the other ( dated one day later ) was a denial letter.

I called customer service to ask why my dispute was denied. They told me that the money had been deposited into the account I intended for it to go into. I told them this was false. Money Network then advised that I could appeal their denial. They instructed me to provide all records of my bank accounts and financial transactions. I submitted the required documentation on XX/XX/XXXX. 

I contacted Money Network on XX/XX/XXXX to follow up. I was told my appeal was again denied because the money had been deposited into my intended account. I asked them to provide the account number it was deposited into, which they did, along with the name of the account holder. It is not my account. I asked for evidence they were using to support their claim that I authorized the transaction. They provided no further evidence beyond a bank account and name. They told me I needed to contact XXXX XXXX, the bank where the money had been deposited. I contacted XXXX XXXX on XX/XX/XXXX. They told me they couldn't help me as I didn't have a bank account with them. Their fraud department advised that I contact the police. I called the police on XX/XX/XXXX and filed a report. 

It appears Money Network has decided to side with the person who stole my money instead of me, the actual card holder. I advised them that I would be contacting CFPB today. 



Please contact me if you require any additional information.

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 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a check from my brother and deposited it to my Checking acct on XXXX via mobile app and was notified there was a hold placed on the check I received an email notification XX/XX/ there was a restriction placed on my account I called the # on the notification and was transferred to a different dept ( assuming Fraud dept ) The person asked who the check was from, if I had ever received checks before, etc The person then said he needed to verify from the sender that the check was really made out to me He asked for a phone XXXX XXXX XXXX XXXX XXXX  which I gave to him, but it didn't pass his security check and they could not verify the owner of the phone # I gave him a 2nd phone # ( mobile ) which also didn't pass his security check I have literally no other # s to give him so my acct remains restricted I asked to cancel the deposit and he said the deposit could not be cancelled So at this point I don't know what to do. Any guidance here would be greatly appreciated. 

I have attached a copy of the check that was deposited for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
I have filed two separate disputes, Dispute ID XXXX and XXXX, each valued over XXXX XXXX For Dispute XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and received an email immediately afterwards confirming my dispute reason was Duplicate Charges, I would receive a temporary credit by XX/XX/2024. Unknown to me, a Chime rep changed my dispute reason from Duplicate Charges to Non-receipt of Goods/Merchandise , which would now make me ineligible for a credit. The only reason I found out the reason was changed is because I received an email on XX/XX/2024 requesting additional information for the claim, and the subject line had the dispute reason as Non-receipt of Goods/Merchandise. I immediately called Chime Dispute team and informed them of the error and requested it to be changed back to Duplicate Charge, which is what I filed it as XX/XX/2024. The request was submitted and I was given a new temporary credit date of XX/XX/2024. However, my dispute was denied XX/XX/2024 with a generic email and bogus denial reason. I called Chime back and spoke to a Supervisor by the name of XXXX only to find out my dispute reason was never changed back to Duplicate Charges I as requested. A rebuttal was filed, which was then denied again within a few days with the same generic reasoning. I requested the denial documents and Chime never sent them, which is a violation. The total credit for that dispute I should have received is {$5500.00}, and I want my money back immediately with a proper investigation. 

The Dispute ID XXXX was filed XX/XX/2024 for XXXX transactions and the reason was ATM Non-Dispense. I received a denial on XX/XX/2024 with the same generic bogus email I received for the last dispute filed XX/XX/2024. Chime did not complete a thorough or good faith investigation. I requested the documents used during the investigation and did not receive them. I also opened a rebuttal on XX/XX/2024 and was told I would need to submit documentation. The amount of this dispute is {$5800.00}, and I would like my temporary credit immediately while a proper and thorough investigation is completed. 

Chime is known for immediately denying disputes or denying on the day the temporary credit is due. It is seen as avoidance to give customers their temporary credits. Chime is acting in bad faith and allowing its reps to steal from customers, or not backing its customers when merchants are making errors in debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Pleasee Correct/Update. This Inaccurate information On My CreditReport.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: CA

Complaint narrative:
I have approved for burrowers defense case. I have been approved to have all my loans discharged. XXXX XXXX XXXX sent me a letter XX/XX/2023. Verifying all my student loans have been discharged. In the letter they indicated they need XXXX days to delete ALL STUDENT LOANS FROM ALL XXXX CREDIT BUREAUS. I HAVE MULTIPLE DIRECT DISPUTES WITH THEM YET THEY ARE REFUSING TO FOLLOW THE LAW. I NEED THE TOTAL OF {$14.00} DELETED FROM ALL XXXX CREDIT REPORTS. XXXX LOANS NEED TO BE DELETED FROM MY CREDIT FILES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: CA

Complaint narrative:
I have approved for burrowers defense case. I have been approved to have all my loans discharged. XXXX XXXX XXXX sent me a letter XX/XX/2023. Verifying all my student loans have been discharged. In the letter they indicated they need 60-90 days to delete ALL STUDENT LOANS FROM ALL XXXX CREDIT BUREAUS. I HAVE MULTIPLE DIRECT DISPUTES WITH THEM YET THEY ARE REFUSING TO FOLLOW THE LAW. I NEED THE TOTAL OF {$14.00} DELETED FROM ALL XXXX CREDIT REPORTS. XXXX LOANS NEED TO BE DELETED FROM MY CREDIT FILES.

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 2024-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I have never had an account nor have I given any consent to obtain an account with westlake. They should not have any of my personal information as I have never done business with them. They are reporting an auto balance on my credit and refuse to remove the account when I disputed the account. This is an ongoing litigation with US auto as they went bankrupt. This vehicle was also in an accident and totalled out. The remaining balance was to be paid for by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not responsible for any of this balance. Westlake are threatening me, a XXXX person, via email and mail. They have also posed as court lawyers threatening to sue me and have caused my XXXX to get worse. Ive had several XXXX XXXX due to them threatening me. This company needs to remove this account from my credit and cease all communication with me. They need to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or US auto and take all legal actions against them. They are responsible for the account and it should be documented that I reached out to US auto and gave them the insurance companies information. This is before westlake fraudulently took my personal information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MI

Complaint narrative:
There was an employee at your company that requested new cards be sent to me that I did not request I did not ask I did not say anything to anyone about giving me new cards I was simply calling when I did call to ask where was the deposit that is usually in my account two days prior. Also I've talked to several if not six different employees it was not until I got to the last employee that actually wrote the report on the other employer that requested cards on my account. No one should be able to request cards on my account without my permission or acknowledgment. Now I don't get paid every week every two weeks I get paid biweekly that means I have to wait almost 3 weeks to get paid to turn around to not be able to get back and forth to work this affects me in so many ways I have bills that are automatically on pay to this account it affects my credit I can't feed myself I can't pay a bill I can't go to the ATM I do not have an XXXX so that virtual card is useless to me. I do not have XXXX XXXX or any other accounts connected to this app I don't even have a XXXX XXXX  so we're trying to reach my funds is useless.I called my employer to try to cancel the check but since it's already out there and have been out there in the clouds getting transferred to people 's accounts for the past 3-4 days I don't think that they're able to just cancel my account because it's already sent out to my account this is money that I need no not on the XXXX not on the XXXX not on the XXXX I need to be able to have and get access to my funds now those cards that were requested should be canceled it should be no reason why a person that has the account has the number to the account can not cancel the cards requested that was not requested on my behalf it is insane. This is illegal your employee requested cards on my behalf that I did not ask for I need my money now I need access to my account to my funds now the fact that I can not cancel this is a blight.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Pleasee Correct/Update. This Inaccurate information On My CreditReport.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX, XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXX XXXX Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2023,

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
Credence Resource Management , LLC has kept calling and texting me to pay a debt for the amount of {$240.00} to XXXX XXXX XXXX. I never had XXXX XXXX XXXX until recently and am on a family plan that gets paid automatically every month. Before joining my family plan, I was with XXXX for years. 

I looked up Credence Resource Management , LLC on XXXX and they have 1.2 stars. Many reviews have been left by people who claim that this company opened an XXXX XXXX XXXX debt fraudulently and that they have reported them to the XXXX  and XXXX PD. 

I have already filed a dispute with XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to file a formal complaint against XXXX violation of my consumer rights under the fair credit reporting act ( FCRA ). Specifically my complaint is regarding the unauthorized reporting of capital one on my consumer credit report and/ or credit file, which I did not consent to nor I was I properly notified about. This information is not only wrongful but was also reported without my explicit consent or prior notification. This action has significantly and negatively affected my credit score, making it difficult for me to obtain credit, and it has caused me undue stress and financial hardship. 
I have previously attempted to resolve this matter, but to no avail the issue remains unresolved, and this information is still presenton my credit report. 
I respectfully request the removal of this information from my credit report maintained by XXXX. 
I hope XXXX takes my complaint seriously and rectifies the situation as swiftly as possible. I look foward to your response and am hopeful for a favorable resolution. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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