vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Was impacted by a purchasing scam, XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX, entered into a lease and purchasing contract, he abandoned my property and cost me over XXXX dollars in payments and stolen property.

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 2023-11-07 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Was impacted by a purchasing scam, XXXX " XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX, entered into a lease and purchasing contract, he abandoned my property and cost me over XXXX dollars in payments and stolen property.

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 2023-11-07 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: IL

Complaint narrative:
I earnestly plead with you to promptly take decisive steps to eliminate the unauthorized inquiry from my credit report without any further delay.

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 2023-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I tried contacting XXXX XXXX XXXX & the original creditor XXXX XXXX XXXX about account XXXX multiple times. The original creditor literally had XXXX XXXX of my information & the debt collector XXXX XXXX XXXX I have proof my identity was stolen I have police report & affidavit from months prior nobody is trying to help just asking me to make a payment on an account thats not mines. The account has been deleted from my XXXX report as of last week, it was also removed from my transuion report but re added the next day to closed accounts & unpaid & XXXX still remains on my XXXX report. This is harmful to my health and a defamation of my character. 



This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC. 





\

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 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Used negotiable instrument for payment. Account was placed under investigation. Investigation period had expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: IN

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AZ

Complaint narrative:
My debit card was charged XXXX dollars. An immediate debit transfer to Chime bank. I did not authorize this. It posted to my bank as a debit. I immediately contacted chime support and was then locked out of the chime app. I have no way of accessing my money and have gotten the run around by chime. I have had a chime account for years, but have left it dormant not using my debit card from chime or using their services. My XXXX XXXX  debit card has been on file with them ( chime ) but not used to transfer funds in almost XXXX  years. Out of the blue I see my online statement at XXXX XXXX XXXX  showing XXXX withdraw in pending! Transferred to chime as an immediate withdraw. After consulting with chime for hours trying to get to the bottom of why I was blatantly robbed by them .. they locked me out. I cant access these funds or didnt authorize this. Im going to make a police report as well as been in contact with my bank to do an investigation. Chime has asked me for documents and I completely complied to their request to later be given a run around. They asked me for a plethora of personal documents to prove my identity. I gave them all of them and then some! DL, bank statements, utility bills, SS card, Birth Certificate, XXXX  months of my XXXX XXXX XXXX  statement, screen shot of them taking a withdraw out of my bank. My residence lease contract proving my address along with phone bills, electricity bill, gas bill, internet provider. There is nothing else to give them other than a DNA sample!! This is complete fraud stealing my money then closing me down after theft. Ive been on the phone with XXXX different chime associates including manager, supervisor, etc. they all have the same answer. I cant help you let me transfer you game!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), the account details provided below have infringed upon my federally protected consumer rights, specifically the right to have accurate information reported. 

Account Information : Account Name : XXXX Account Number : XXXX I am composing this complaint to formally dispute the accuracy of the information reflected on my credit report. According to my records, the mentioned account has been paid in full and currently maintains a XXXX balance. However, I have observed that your reporting indicates a balance of {$520.00}, which constitutes a blatant violation of the FCRA. 

This reporting discrepancy is impeding my ability to secure new credit, and I am seeking a prompt resolution to rectify this matter. Your immediate attention to this issue is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), the account details provided below have infringed upon my federally protected consumer rights, specifically the right to have accurate information reported. 

Account Information : Account Name : XXXX  Account Number : XXXX I am composing this complaint to formally dispute the accuracy of the information reflected on my credit report. According to my records, the mentioned account has been paid in full and currently maintains a XXXX balance. However, I have observed that your reporting indicates a balance of {$520.00}, which constitutes a blatant violation of the FCRA. 

This reporting discrepancy is impeding my ability to secure new credit, and I am seeking a prompt resolution to rectify this matter. Your immediate attention to this issue is appreciated.

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 2023-11-07 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: IN

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: OR

Complaint narrative:
I wish to update my account information on all XXXX credit reports to login i have ordered reports and will send back in written with updated information such as my entire name to match all XXXX reports with my only name. Now i am notifying online with my current information that includes new phone line and email address

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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Two money cards were purchased at XXXX and a person ( s ) created a pin and used the cards.

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 2023-11-07 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
XXXX & SYNCB/XXXX I am writing this letter received a credit alert that an account for SYNCB/XXXX on XX/XX/XXXX and a charge for a XXXX XXXX was purchased and called them and it was delivered reported it to the bank and theyre investigating it. Another alert for hard inquiry was taken for the XXXX on XX/XX/XXXX. I would like to have these fraudulent accounts shut down also filed an identity theft report on these and placed a credit freeze and alerts on all reports.

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 2023-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: WA

Complaint narrative:
I went into XXXX XXXX on XXXX XXXX weekend to purchase a washer and dryer. They had a sign up that said low down payment, interest free for 12 months. I have financed things before and you usually pay some down payment then the following month your payment is due. With this company, I paid {$50.00} dollars down and then took the items home. American first contacted me the next day for a payment of {$310.00}. which was pretty rapid. I contacted them and they told me there was nothing I could do. I made a payment with a credit card for the month and then asked that the auto pay be removed and it wasn't it had to be returned. I continued to make the payments online with my credit card from XXXX until XXXX of 2023. Then when i went to pay in XXXX they no longer accepted credit cards as payments. I don't have the cashflow up front so I pay on my credit card then pay my credit card back when I get paid. It now is making me struggle financially due to their change. 

In addition to the payment debacle. They ended up not having 12 months interest free. It ended up being early payoff. Then once XXXX passed the cost changed from {$1900.00} to over {$4000.00}. I have only had the items for 6 months at this point. Now I am going to have an additional 12 months of payments to pay this off and I will be facing interest on top of that. 
This company is predatory and really unprofessional. Their lending practices are morally bankrupt and this company should be shut down or more heavily regulated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I requested a method of validation on XX/XX/2023. The collection agency has yet to respond correctly. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.

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 2023-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
My account was frozen on XX/XX/23, due to fraudulent transactions, that has been resolved. 

The problem is getting them to unfreeze the account. 

They tell me they will unfreeze the account and send me an e-mail in a week to ten days Two weeks later I call them again and they tell me they will unfreeze the account and send me an email.

Two weeks later same thing and no results.

I want them to either unfreeze the account or close it and give me my money back.

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 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account 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 explanation
Consumer complaint received 2023-11-07 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: IN

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I applied for a loan, and recently applied for an refinancing loan, so there are XXXX inquiries from XXXX XXXX on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, the list of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts above have violated my rights. 15 U.S.C 1681 section 602A, states I have the right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c section ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 section ( A ) ( a ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief