vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/2023, I called what I thought was the Chime Customer Service Number, XXXX to inquire about missing {$420.00} in my checking account. I explained my concern to XXXX, and he stated that I needed to speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: Westlake Services, LLC
State: MD

Complaint narrative:
7/30/2023 XXXX  Fraudulent inquiry 
7/19/2023 XXXX XXXX XXXX XXXX XXXX      Fraudulent inquiry 
7/19/2023 XXXX XXXX XXXX XXXX  Fraudulent inquiry 
7/19/2023 XXXX XXXX Fraudulent inquiry 
7/19/2023 XXXX XXXX XXXX XXXX Fraudulent inquiry 
7/19/2023 XXXX XXXX Fraudulent inquiry 
7/19/23 XXXX XXXX     Fraudulent inquiry  
10/7/2022 XXXX XXXX XXXX Fraudulent inquiry  
10/7/2022 XXXX XXXX XXXX Fraudulent inquiry 
1/10/2022 XXXX XXXX          Fraudulent inquiry.  
7/19/2023 XXXX XXXX XXXX  Fraudulent inquiry
7/19/23 XXXX XXXX XXXX Fraudulent inquiry

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 2023-07-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX XXXX, XXXX, Account # XXXX XXXX XXXX XXXX, # XXXX has violated my rights, 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 : It also states a consumer reporting agency can not furnish an account without my written instructions or consent.

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 2023-07-31 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: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT.

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 2023-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-07-31 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: NJ

Complaint narrative:
Hard inquiries I do not recognize XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, 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 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Between XX/XX/22 and now, Bank of America has unlawfully opened 3 checking accounts using my information. They have since closed them, but that was only after multiple phone calls and my credit being checked. When I called, I was transferred multiple times and had to talk to 5-7 people to get the accounts closed.

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 2023-07-31 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: OH

Complaint narrative:
Have been trying to get these inquiries off my credit report, again I gave no one permission to run my credit for a car, disputed these inquiries before and it came back as non monetary relief, which means they gave no explanation as to why I have these inquiries on my report. These inquiries are on my Transunion Credit Report 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 XXXX XXXX XXXX} is a collection that I don't know about that I would also liked removed. 
XXXX XXXX Bankruptcy, I have sent a letter to the credit bureaus from the bankruptcy court stating that they do not share any information with credit bureaus, but Transunion and XXXX are stating they received this information from The Bankruptcy Court what do i do

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 2023-07-31 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed the following hard inquiries. I never filled out an application for credit and upon doing my research I noticed that this is a violation of the Fair Credit Reporting Act.

This Act states that the only reason to pull an individual 's credit is for the following reasons : 1. A firm offer of credit 2. Insurance 3. Application for employment 4. A Court Order The following hard inquiries are not related to any of the following, I have never given these companies permission to use or have my personal information. If you refuse to remove these hard inquiries, I will move forward and ask for legal verification which would include ; the name and title of the person who pulled my credit, date they purport that I gave permission to have my credit pulled, method they purport that I gave permission to run my credit. Please include documentation of said permission. If you can not provide me with this information, remove these incorrect hard inquiries from my credit file as soon as possible. I have attached my FTC form, please do see. 

The following hard inquiries should be removed from my credit file as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed the following hard inquiries. I never filled out an application for credit and upon doing my research I noticed that this is a violation of the Fair Credit Reporting Act. 
This Act states that the only reason to pull an individual 's credit is for the following reasons : XXXX. A firm offer of credit XXXX. Insurance XXXX. Application for employment XXXX. A Court Order The following hard inquiries are not related to any of the following, I have never given these companies permission to use or have my personal information. If you refuse to remove these hard inquiries, I will move forward and ask for legal verification which would include ; the name and title of the person who pulled my credit, date they purport that I gave permission to have my credit pulled, method they purport that I gave permission to run my credit. Please include documentation of said permission. If you can not provide me with this information, remove these incorrect hard inquiries from my credit file as soon as possible. I have attached my FTC form, please do see. 

The following hard inquiries should be removed from my credit file as soon as possible. 
XXXXXXXX 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 XXXX 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 2023-07-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc.
State: TX

Complaint narrative:
Key 2 recovery Ice, contacted me about XXXX owed to XXXX XXXX University. I had contacted Covid 19 and was unable to attend classes. The class were already paid for with federal student loans. The University advised me that I had not canceled in the right time frame. This was incorrect, I canceled the classes several times. The amount was paid for by my student loans and I canceled the classes. I university is attempting to get paid twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation
State: NV

Complaint narrative:
Fortiva Credit Card, I received a notice via email I assumed was spam. I didn't apply for a credit card, my credit file was locked with XXXX and XXXX. I received a notice from XXXX and XXXX that a new credit file was added to my account. I looked into my email with the name of the credit file, Fortiva. I did see in my spam messages that this company had noted my good payment history with XXXX, a company they previously did business with, and that from my good credit history they were awarding me the opportunity to open a new credit card with Fortiva. I didn't respond to the invitation. After reaching out to Fortiva, XXXX ( employee ID # XXXX ) on XXXX at XXXX PST, he let me know i was awarded this card due to my great credit history. I let them know I closed out my XXXX account last XXXX with payment in full to XXXX, asked them then to close my account. I was confirmed that was completed. XXXX stated that my lack of response to the email automatically enrolled me into the credit agreement. I did not sign any contract, paperwork, or verbally agree to anything with Fortiva. I didn't even open the email, i assumed this was spam. Fortiva stated 45 days from the original email, no response indicated my approval to their terms and they issued the credit from there. I didn't not agree with their assumption. I did not ask for credit nor did I give my permission to credit or any terms associated with their promotional offer. I called in and had to speak with 3 employees to get them to cancel the credit card they enrolled me in. I asked them to send me a copy of my response that initiated the credit card to be opened with my information, they said they could not send me that information. I asked for the terms where i signed anything agreeing to credit, they said my lack of response was approval for their terms. I don't agree. This must have happened to thousands of others who didn't respond to a random email from a company they weren't expecting any business dealings with. I did not give XXXX permission to pass along my information for any credit card opportunities with different affiliates in the future. I need my complaint filled here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX I am filing this complaint after receiving a XX/XX/XXXX mailed response from Counsel for Nationstar Mortgage LLC that addressed XXXX XXXX and XXXX XXXX complaint and left these above valid complaints unresponded to by outside counsel as XXXX XXXX claimed would happen by XX/XX/XXXX and did not, as well as stating wholly false information as a response. 
Please see my objection and reply to the XX/XX/XXXX response to the XXXX XXXX and XXXX XXXX complaint as a wholly false response, proven by the attached XXXX Invalid agreement that superseded the invalid XXXX Agreement. Neither are confidential, and Nationstar owes me a remaining refund of {$6000.00} not damages as claimed by this Counsel in relation to the general damages payment of {$5000.00} paid without disclosure of the remaining refund of sales proceeds, without any explanation of an inaccurate payment allocation of {$11000.00} and whether or not it has been accurately allocated and without any explanation as to why the Company reported to three credit bureaus that XXXX XXXX XXXX XXXX underpaid their company in the specific amount of {$170000.00} between XX/XX/XXXX and XX/XX/XXXX and without any explanation as to where this false information in my credit files came from within the mortgage file for loan XXXX. 
I am seeking permission from the Court to receive my refund and damages caused by Nationstars actions between XXXX and XXXX, as attached, with a hearing date set for XX/XX/XXXX at XXXXXXXX XXXX, to which no proof of services has been yet produced for the amount in lines XXXX still held and retained by Nationstar in an open suspense account 8 years after accepting the payoff demand to which was by law, the mortgage and Nationstars servicer guidelines this account was to be closed out and amounts refunded to me within 20 days and it was not, nor were any services performed to cause the initial collection of the funds in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Re-claim # ( XXXX ) For the bank Re Claim # ( XXXX ) For the bank I am writing this letter to inform you why I am filing this dispute. In XXXX I hired XXXX, thinking that they were XXXX they misrepresented themselves to be XXXX  and charged me the same fee as real XXXX. To design custom home plan drawing, I paid {$4600.00} on XX/XX/XXXX as a deposit to get the work started. We went back and forth for several months, from the start it was very hard to communicate with this person after they receive the deposit the project was to take a month but due to not being able to communicate with this person it took a lot longer than I was told it would take but because I paid the deposit I still work with the hoping that we could get the results that I was expected and that I paid for. I also did a dispute in XX/XX/XXXX, because I could not get ahold of him. After the dispute was filed, I got his attention and he asked me to close the claim and he would do better communicating with me and the builder when we where ready to work, I was also told that service comes with several modifications as needed by the city or builder and the XXXX, that he would stay with the project until the building was completed. They also misrepresented themselves as an XXXX  I thought I was hiring real XXXX  He completes a draft and then told me I needed to pay the other half {$4600.00} on XX/XX/XXXX, I filed a despite with my bank I am told that its over the time for the dispute. I am still out {$9300.00} with nothing to show for it I XXXX upload an example of what I was expecting and what I received and what I should have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I contacted XXXX XXXX regarding the collection on my credit file. Due to an insurance cancellation and billing error, there was an unpaid bill showing as due that was inaccurate. In order to save time, I offered to pay the bill in full in the amount of {$310.00} if the inaccurate account was removed from my credit file. The payment cleared my account and was never removed as agreed. See attached letter and check.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: MO

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it XXXX concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-31 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: TX

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: U.S. BANCORP
State: AZ

Complaint narrative:
XX/XX/2023 FACTS : 1. I have checking account with US Bank. 
2. On XX/XX/2023, I released {$100.00} payment on my cell phone on XXXX XXXXXXXX XXXX app using my routing and account number. 
3. My XX/XX/2023 never made it over to XXXX XXXX. 
4. US Bank has my {$100.00} from XX/XX/2023. 
5. I want my XX/XX/2023 {$100.00} deposited into my US Bank checking account now.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the account referenced XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? I have contacted the creditor myself and have been unable to get them to verify that this balance and payment history is accurate. How does this meet FCRA guidelines when all data furnished should be the same? I dispute your claim and I am requesting that this is removed from my credit report. XXXX and XXXX have removed this account due to them not being able to verify this account. Stop reporting this information on my credit report for many FCRA violations. Attached is the dispute letter sent 2 months ago which is dated and time stamped. Please see the True bill attached for FCRA violations.

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