vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: OH

Complaint narrative:
I recently received a copy of my credit report. I have contacted XXXX a number of times concerning this issue and have failed to get it resolved, I am concerned about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile. MY INFORMATION WAS EXPOSE IN THE XXXX DATA BREACH, And I believe that XXXX has made errors in reporting inaccurate accounts on my profile and In accordance with the fair credit Reporting act XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties. 15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC-1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.. I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). ''

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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I called today to find out why my car was on block for the whole last 5 days I've not been able to contact this number that they give me it's been busy for the last 2 days so I called this morning they connect me over to banking protection I get a guy I'm not sure who it is but it's in banking protection I asked him he asked me a few questions he asks me why am I spending my money or who am I spending my money with and like I told him I can not tell you anything information about my account because I can not open my app under his breath he starts laughing I said well sorry it's been like 5 days I've been trying to get into my account I can't get into it so he XXXX me off not mind you I was on hold for 2 hours this is not the welfare office I am on hold for 2 hours he keeps coming back in the phone like he's answering other lines for set of mine ask him sir can you please can I please speak to your XXXX  he calls me freely under his breath a XXXX and like I said that was what it took the cake I said he kept trying to talk to me talk to me speak to you no more I am loyal customer at 5th and third Bank for over the last 5 to 6 years and I get treated with disrespect like this this is out of line and out of character and it's to the point now where I'm going in-house to do my business on XXXX XXXX in XXXX Ohio because I do not want to speak to any of your customer service care I tried to call back to file a complaint no one will take my complaint know what would even give me the gratitude to even take my complaint but like I said I will not deal with tolerance of someone disrespecting me to the fullest and someone needs to deal with this and like I said it's in banking protection the little boy was rude as XXXX and I don't appreciate being called out of my name maybe if he knew what the word was defined as he would probably think of saying it to someone else other than me I am very disappointed and the customer service that comes out of fifth and third Bank and like I said if it's rudely laughable that I'm having issues with my bank account to your banking protection maybe they don't need to work there because that that young guy was out of line and out of character I'm just over XXXX bank cuz I don't even understand why my bank is unlocked or anything and I won't understand until I go in house cuz I will never call on the phone to speak to you again because your people are rude and his customer service is poor and you're poor for even allowing him to work for you and I will write a blog on this one so sad with all the stuff we have going on in the world today that blatantly I get caught a XXXX by one of your customers service people and it was that easy and laughed at the fact that I'm having problems with my account loyalty is not coming from 5th and third Bank and XXXX didn't get it at that moment either

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: MO

Complaint narrative:
I received a VISA credit card from CHIME with my name. I had not heard of CHIME before and I have not applied for any credit card with any company. When I called CHIME to enquire about the credit card, the agent mentioned that he could not find any information about the credit card at their end. He requested that I provide the last 4 digits of my social security number and my birthday to get information regarding the card. I declined to provide my personal identification information. He mentioned that there may be a Debit card coming through, and if I call back after the receipt of the debit card, he would be able to locate additional details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: IL

Complaint narrative:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my rights.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified certain inaccuracies that require attention : XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit XXXX. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.8. Validate this account XXXX XXXX XXXX  Account Number : XXXX Delete at once9. I have been incorrectly billed. XXXX XXXX XXXX Account Number : XXXX Please update the status of this account to In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my credit report. It is my understanding that you will contact the relevant creditor for verification purposes. Should the creditor fail to provide adequate verification, I expect the removal of the disputed information. As per 15 U.S.C. Sec. 1681i ( a ), I anticipate the completion of this reinvestigation within 30 days from the receipt of this letter.

Furthermore, I kindly request an updated copy of my credit report to be sent to the aforementioned address. Please note that, as per the act, no fee should be charged for this updated report. Additionally, I request that correction notices be sent to any parties who have received my credit report within the past six months.

Thank you for your attention and assistance regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified certain inaccuracies that require attention : XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit XXXX. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.8. Validate this account XXXX XXXX XXXX  Account Number : XXXX Delete at once9. I have been incorrectly billed. XXXX XXXX XXXX Account Number : XXXX Please update the status of this account to In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my credit report. It is my understanding that you will contact the relevant creditor for verification purposes. Should the creditor fail to provide adequate verification, I expect the removal of the disputed information. As per 15 U.S.C. Sec. 1681i ( a ), I anticipate the completion of this reinvestigation within 30 days from the receipt of this letter.

Furthermore, I kindly request an updated copy of my credit report to be sent to the aforementioned address. Please note that, as per the act, no fee should be charged for this updated report. Additionally, I request that correction notices be sent to any parties who have received my credit report within the past six months.

Thank you for your attention and assistance regarding this matter.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
ear Equifax Customer Support, I am writing to formally file a complaint regarding my ongoing inability to access my credit report. Every time I attempt to log in, I receive a message instructing me to call customer support. I have already called 3-4 weeks ago, completed the verification process, and was assured that the issue would be resolved. However, the problem persists, and I am still unable to access my report. 

Despite this issue, Equifax continues attempting to charge me for a membership service, even though my access remains blocked and the problem has not been fixed. This is unacceptable, and I expect immediate action to resolve the situation. 

I request that : 1. My access to my credit report be fully restored without further delay. 
2. Any unauthorized charges related to the membership be refunded.

3. A formal response explaining why this issue has not been addressed despite my previous calls. 

If this matter is not resolved promptly, I may consider escalating the issue to the relevant consumer protection authorities. 

Please address this matter as soon as possible and provide an update on the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I reached out to the CFO of XXXX XXXX XXXX XXXX to get full disclosure on all alleged debts/accounts. In accordance with hjr 192, public law 73-10, 18 USC 8 , a bank technically doesn't loan anything, and is not the creditor, therefore there can be no debt. The three major credit agencies, XXXX, TransUnion, and Experian are not following the law, when it come to credit reporting. Each one of those agencies, have different information about the exact same accounts. They are not investigating any alleged debts, they are just placing alleged debts on credit reports without doing their due diligence. In doing so these credit agencies are causing me personal injure. These credit agencies are not following consumer laws, and neither is XXXX XXXX XXXX XXXX. I have been trying to resolve these issues for over there years. I have sent XXXX XXXX debt validation, and debt verification letters, several times. The only response I received is a promissory note, that isn't showing any validity of debt. There were no meeting of the minds, at any time, there was no equal exchange. As for the credit reporting agencies, I have never authorized them, not given consent for them to post my personal information. The credit reporting agencies are mere private entities operating in the public. Not one time had either company reached out to get my consent to publish any of my private information. Each and every agency is committing identity theft, and violating the consumer laws which governs them.

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 2025-02-19 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: TX

Complaint narrative:
Due to several infractions on the behalf of XXXX XXXX customer service and service quality, I spoke with the representative in order to vacate my account with XXXX without paying the remaining balances on my phone and final bill total. I had an extensive list of dissatisfactory issues with XXXX due to their company poorly communicating from one department to the next, and the representative ( with reference numberXXXX ) acknowledged it was abnormal to continue to have to deal with as many inconveniences as a paying customer. The fact that I am having to file this complaint is a direct illustration to how poorly the communication is from one department to the next leading me to no longer want to be a XXXX customer. The representative you can hear in the recording agreed to eliminate my entire balance on my account of all my devices after I mailed in the XXXX XXXX. They sent me the return package and I mailed the watch almost immediately. Every time I call XXXX to gain information on the reference number that was affiliated with the closing of the account, I am constantly directed to only speak to a collections department, which they never attempt to assist me other than collecting a payment or my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
There are late payments and collections on all 3 credit reports I have never been late on payments

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 2025-02-19 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:
There are late payments and collections on all 3 credit reports I have never been late on payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MI

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to follow up on a complaint I previously filed against Chase regarding unauthorized charges on my credit card ( number ending in XXXX ). The complaint reference number is XXXX. 

Despite my initial report, the issue remains unresolved. My credit card was charged a total of {$6200.00} without my authorization. Chase refunded only {$300.00}, leaving a balance of {$5900.00} in disputed charges that have not been reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation