vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to dispute an inaccurate inquiries listed on my credit report. I have carefully reviewed my credit report, and I believe that the following inquiry is erroneous and should be remove. The inquiries in question were not authorized by me, and I have no affiliation or knowledge of the entity that made the inquiry. I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.

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 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 

*Accounts not verified, Dates Reported inaccurate, Dates of last activity inaccurate, accounts shows a balance owed on a charged off account.dispute status inaccurate

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 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, 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:
" Resident Verify '' and " XXXX XXXX '' is in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my Experian, XXXX, and XXXX consumer report on XX/XX/XXXXXXXX   and XX/XX/XXXXXXXX   without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 

A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 

The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

I have not initiated any transaction with Resident Verify or " XXXX XXXX '', Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

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 2023-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, CA XXXX XXXX XXXX ( XXXX ) XXXX Subject : Disputing Fraudulent Account - Account Number XXXX Dear Sir/Madam, I am writing to dispute the existence of an account with Midland Credit Management under my name. After reviewing my credit report, I discovered that an account with the account number XXXX has been reported by your organization. However, I have no knowledge of this account and believe it to be a result of identity theft or a mistake. 

I am a victim of identity theft, and it has come to my attention that several fraudulent accounts have been opened in my name without my authorization. I have taken immediate action to address this issue by notifying the relevant financial institutions and filing a police report ( # XXXX ). As part of my efforts to rectify the situation, I am requesting that Midland Credit Management conduct a thorough investigation into the account in question. 

Enclosed with this letter, please find supporting documentation, including a copy of my credit report highlighting the fraudulent account, as well as any other relevant information that may aid in your investigation. I kindly request that you review this documentation and promptly provide me with a detailed explanation of the origin of the account and any associated transactions. 

I would also appreciate it if you could take the necessary steps to remove the account from my credit report and cease all collection activities related to it. It is crucial that my credit history accurately reflects my financial responsibility and is not negatively impacted by fraudulent accounts. 

I understand that additional information or documents may be required during your investigation, and I am willing to provide any necessary assistance to resolve this matter promptly. I request that you communicate with me in writing to ensure a clear and documented record of our correspondence. 

Please inform me in writing about the progress of your investigation and the actions taken to address this fraudulent account. I appreciate your attention to this matter and your commitment to resolving identity theft issues. 

Thank you for your immediate attention to this dispute. I look forward to your prompt response and a satisfactory resolution. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I've opened checking account at TD BANK, XXXX XXXX, NJ XXXX branch. I was told and they gave me paper stating that if I deposit {$500.00} in 60 days, I will get {$200.00} bonus. I've made more than {$500.00} deposit within 60 days. But I did not get bonus. Then I've sent multiple emails and got multiple answers. One of them stated that, THE LASTEST THE CREDIT APPLY IS XX/XX/XXXX. I did not get bonus. On XX/XX/XXXX, I visited XXXX XXXX, NJ XXXX and was told she sent email, I will hear in 5 days from her. It was lie as well. I tried to reach out by phone, they have hanged up few times, and on XXXX, XXXX phone conversation I was told they submitted claim, will hear them by Thursday, it was lie too. I told them I will file complaint with federal agency, banker laughed at me and told me GOOD LUCK WITH YOUR COMPLAINT. I hope you will help me solve my issue. Banks are modern day robbers. These days they became even more brazen. I still hope the US is not XXXX XXXX, it has institutions who can oversee bank 's illegal practices. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To whom it may concern : I am writing to dispute an inquiry XXXX XXXX XXXX XXXX ) that appears on my credit report. The inquiry in question was made without my knowledge or consent, and it is inaccurate and unfairly impacting my credit score. 

I request that this inquiry be removed from my credit report as soon as possible, as it negatively affects my ability to access credit and other financial resources. I have reviewed my credit report and have not authorized this inquiry nor know it. 

Please provide me with written confirmation that this inquiry has been removed from my credit report. I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, 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 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, 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:
My complaint is that the Experian Credit Reporting Agency has failed to update their records to reflect the fact that as of XX/XX/2022 ( XXXX XXXXXXXX ), XXXX account XXXX # XXXX ) was deleted and no longer being reported on my XXXX credit report. It has been XXXX whole year since its deletion. Experian should already know it was deleted because I subscribed to XXXX XXXX XXXX in XXXXXXXX XXXX XXXX and they gave me information on all XXXX XXXX XXXX ( XX/XX/2022 ). This account had already been deleted from XXXX the previous year.

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 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 

*Accounts not verified, Dates Reported inaccurate, Dates of last activity inaccurate, account shows a balance owed on a charged off account.dispute status inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Data breach with mortgage company caused late payments to accrue on my account. My mortgage was being paid on time every month, there was a fraud company identical to loancare that was recieving the payments due to the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
Data breach with mortgage company caused late payments to accrue on my account. My mortgage was being paid on time every month, there was a fraud company identical to XXXX that was recieving the payments due to the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, 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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 


Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. 

The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. 

Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.

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 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To whom it may concern : I am writing to dispute the inclusion of a cellular bill on my credit report. I have reviewed my credit report and noticed a statement from a cellular provider that I do not recognize. I have never had an account with this provider or received any services from them. 

This bill has been included on my credit report in error. Please investigate this matter and remove the account from my credit report immediately. I am concerned that this bill may affect my credit score and would like to remove it quickly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To whom it may concern : I am writing to dispute the inclusion of a cellular bill on my credit report. I have reviewed my credit report and noticed a statement from a cellular provider that I do not recognize. I have never had an account with this provider or received any services from them. 

This bill has been included on my credit report in error. Please investigate this matter and remove the account from my credit report immediately. I am concerned that this bill may affect my credit score and would like to remove it quickly. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Chime Inc.
State: KY

Complaint narrative:
I send my to wrong number or person and i need refund

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc.
State: WA

Complaint narrative:
On XX/XX/2022 at XXXX XXXX XXXX Time I received a notification {$75.00} had been withdrawn from my XXXX XXXX account @ XXXX XXXX at XXXX XXXX XXXX. 
At XXXX XXXX  a second attempt to withdraw {$75.00} was made but there was insufficient funds in my account from the same XXXX. 

I was at home at the time with my debit card in my wallet. 

My debit card must have been duplicated and the pin number stolen when I used an ATM. 

I have never been at XXXX XXXX at XXXX XXXX XXXX 

I filed a claim with the company that handles my checking account and debit card for the {$75.00}. 

They denied the claim since " the physical card and pin were used ''. 

It is common knowledge that debit cards can be duplicated and pins stolen. 

I believe it is federal law that banking institutions MUST reimburse customers if funds are stolen using a debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX someone stole XXXX dollars from my bank account. I have filed a dispute and reopened the investigation twice. They keep denying me and I already filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
COMPLAINT The account I am reporting is factually listed on my credit report incorrectly. The bureau is reporting file # XXXX, / Acct # XXXX, Original creditor XXXX XXXX, as a Auto Loan. This account was a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. In addition, In accordance with the Fair Credit Reporting everything on my credit report has to be 100 % accurate. The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 15 U.S.C 1681 section 602 A, states I have the right to privacy. 15 U.S.C 1681 section 604 a, section 2, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. I did not give any agency permission to share my personal information with XXXX XXXX XXXX. According to my credit report, the above account was noted as an repo. How can XXXX XXXX, report late charges for a vehicle they sold at auction? This is also, grounds for deletion of this account on my credit report. 
If this account is not removed within 30 days, I will hire an attorney and bring suit in the amount of {$5000.00}. This amount is {$1000.00} per each violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a checkin, savings, n ira account with wells Fargo bank in XXXX XXXX I noticed towards end of XXXX I had XXXX at beginning of that year I had a accident at work n in process of going thru workman 's comp because after I had XXXX my we work company took my workman 's comp away, they stated a rewards signature credit card n changed my online bank statement I stopped receiving statement n they did overdraft services with n savings n credit card so I went to bank during Covid n they did not know when they opened some kind of company under my name with my account n started making transfer using checking saving n credit card so changed acct # n changed phones line XXXX times n email n wifi several times n bank continue to let them do online transactions when I told not too no online anything my phones have been hacked every single time it's just matter of weeks n it kept going, I have made several complaints thru emails n phone but bank said emails were not received they redirect my calls n stop emails so it been so hard to get anyone to help I have all my receipts n bank statement now I need help cause I don't understand the codes or where money was sent n bank couldn't help me it's been thousands over last XXXX years even tho I don't put any money in this account anymore I only pay bills from wells Fargo there n they'll reverse my payment stal my money they've cashed checks with credit card n I've never seen those transaction on my end it's been over easily 15,00 on my checking n savings if not more n credit card 8,000 my IRA was supposed to be more than 650 when I closed because I had started putting XXXX a month towards that but I cancelled all of that in XXXX of, XXXX I can contact on my phone at ( XXXX ) XXXX this email only safe one I can use it's my sister 's who can help recuperate some this stolen money n help with the identity theft I've gotten all my credit reports most recent but they don't have valid number to call to investigate n I really can't see anymore due to my accident I'm still not able to work n don't have no one to help or even believe me n it's depressing that they can get away with ruining my life n I'm gon na lose my home because I can't pay it anymoreive gotten help from XXXX XXXX XXXX but it's ended n I have no access to computer please help, I'm ready just to give up on life cause I can't do it by myself to send receipts n statement it too email but I send thru postal office

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