vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX name is on my credit report. This is not my name. 
I dispute issue multiple times but it's not being removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
My husband 's check was direct deposited in Chime app. The morning of XX/XX/2024. I called to have them help me transfer funds to my Chime account because he had not yet received his card. The transfer was transferred into wrong account by me. I have tried numerous times to customer service to help me get monies back. They say they can't do anything but send a refund request to persons account it went to. I have made several requests to that account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have asked several times for negative items to be removed from my credit report due to reporting agency violating Fair Reporting Act. The agency claim to have verified debt but did not provide me with proof as requested. The agency then sent me a letter in the mail asking me to verify my address which is clearly on file. The agency also claim they couldn't locate my credit profile with the information I provided which is false due to them clearly being able to locate my credit profile and report inaccurate information. Due to agency clearly being able to mail me letters shows the agency has my address, email and phone number on file. Agency also has my social security number on file to locate my credit profile. I am asking for immediate removal of negative items to be removed from my credit profile due to non compliance of verifying debt. Any further violation of the Fair Reporting Act will result in a lawsuit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
1099 REQUESTED WITH NO RESPONSE. BILL CAN NOT BE PAID. MEDICALLY UNABLE.

ACCOUNT NUMBERS DONT EVEN MATCH AND INFO IS INCORRECT.

\ 15 U.S. Code 1692c 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply bye email or if I am in an office in 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 non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CADENCE BANK
State: TN

Complaint narrative:
On XXXX I requested to withdraw funds from a bank teller. Bank teller told me immediately to hold on ( I have withdrawn funds before without hesitation ) ; this time bank teller spoke with manager. Bank teller tells me that the funds were in a pending state and were not available for XXXX hours. This was false because I had checked the available balance minutes prior. The funds were available for immediate release. I then asked to speak with a manager. 

The manager had me waiting for 15 min. She came out and told me a different reason as to why I could not withdraw funds. She says that there was a credit hold. Both narratives do not add up at all and was a ploy to stop me from my rights. I attempted to tell the manager that I was an acting power of attorney and I tried to show her paperwork. This manager not once didnt even ask for my ID or to read the document itself. Had she done that she would have known that she was ruling a personal judgement not professional one, one in which she and her teller were getting into personal circumstances. This goes against a power of attorney document.

The manager tells me that I was to file my paperwork with their legal department. I told her that I was at that bank just last week and presented my document to one of their clerks who advised me that there was no need to do so since my name was already on the account, but there was a need to store this paperwork because now the manager and other staff denied me of making financial decisions for my father. They instead made it for me and it was not their call, not their business I asked about the credit hold. The manager refused to give me details, which I should be privy. She just said no one would have access to the account until my father and I worked things out. I told her she is not in an area or field to make that call. She isnt a counselor. She is supposed to abide by the tenants of the XXXX document. 

Not an hour later, several unauthorized withdrawals were made by father who was alerted of my correspondence with the bank. This bank inserted itself in family business, because of this an elderly man is falling prey to financial abuse because there isnt anyone protecting his assets. I am highly upset and concerned about the ethical, banking practices of some of the tellers, the manager at the Cadence Bank in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Aldridge Pite, LLP
State: AK

Complaint narrative:
Clear Recon Corp initiated illegal nonjudicial Foreclosure against me on XX/XX/XXXX but Clear Recon Corp can not foreclose nonjudicially on a federally backed mortgage because its governed by federal law : XXXX XXXX Clear Recon Corp ( XXXX ) : A California appeals court ruled that Clear Recon Corp., as a foreclosure trustee, had no authority to conduct a nonjudicial foreclosure on a federally backed mortgage. The court found that the mortgage was governed by federal law, which preempted California 's nonjudicial foreclosure statute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: Advanced Resolution Services Inc.
State: AR

Complaint narrative:
In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! XXXX XXXX account # XXXX, XXXX  account # XXXXXXXX XXXX account # XXXXXXXX XXXX account # XXXX ) I am Attaching identity and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I had a new car leased through Ally Financial. I got into an accident and they were contacted by my insurance company 2 weeks after my accident and were informed that it was being totaled and that they needed to send some paperwork to finish up the process for the payout. They did not do so. Instead they just continued to say that my payment was past due. My accident happened on XX/XX/XXXX and they were contacted on XX/XX/XXXX. They are now saying that my account was open until XXXX of XXXX and that I have missed payments from XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. They also closed my account as soon as they got the payout from my insurance company and will not even talk to me when I have tried to contact them. My original loan was for {$23000.00} after paying {$500.00} payments a month for three years they still claimed I owed over {$20000.00}. The insurance company paid them out for over {$14000.00} and they claim I still owe them {$6000.00}. They took the payout and immediately closed my account without any form of contact. No phone calls or letters and no way of me knowing how much my supposed amount was left on the account. Then they updated the information on my report on XX/XX/XXXX of XXXX to show that i had late payments from XXXX of XXXX through XXXX of XXXXThis is false information. The math just does not add up on the supposed amount that they are saying i owe them.This company is a scam. I have tried to contact them several times since and have gotten no response from the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: VA

Complaint narrative:
At XXXX XXXX  on XX/XX/year>, I received an email announcing " Your XXXX XXXX application is almost complete! ". 

At XXXX XXXX  on XX/XX/year>, I received a text message telling me " Your Chime account is ready! '' and to download the app to access it. 

At XXXX on XX/XX/year>, I received another email with the subject line " Welcome to Chime! Lets dive in. '' I immediately called the Contact Us phone number listed on the Chime site, as I had NOT applied/opened an account with them today ( or ever ). The representative was able to tell me that the account had been opened around XXXX XXXX  on XX/XX/year>, and then transferred me to the fraud department. 

I let the fraud representative know that I had not created this account and request immediate closure of the account. The representative closed the account and I received confirmation of the account closure via email. 

As the two emails I received indicated that a debit card was being mailed to me, I also requested to know what address was listed on the account, but the representative was unable to provide that information. She said she would send another email with a link to request account statements that would include that information, but so far I have not received that additional email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A child support account that is delinquent is on my Experian consumer report. I wrote them a dispute letter and sent it to Experian, XXXX, and XXXX XXXX notified mail XXXX, and XXXX XXXX did the right thing and took the false not accurate information off my credit report within 30 days. Experian never even answer my notify letter. To Update information and make sure the accounts I asked to be accurate to be accurate, which is not accurate I never got a response. I called them also and got the run around. Experian is really violating my consumer rights. permissible purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: OR

Complaint narrative:
On XX/XX/year>, British Airways fraudulently stated that I had not paid for baggage for XXXX XXXX XXXX from XXXX XXXX to XXXX Oregon. ( However, all baggage fees ( US {$280.00} ) were prepaid XX/XX/year>. ) British Airways charged {$150.00} ( XXXX ) on XX/XX/year>. 

Response to complaint to credit card company ( Chase - XXXX Master Card ) for British Airways fraudulently obtaining payment resulted in a letter titled We resolved your dispute. Chase did not resolve the dispute. Letter is misleading. Chase permitted British Airways to fraudulently obtain {$150.00} ( XXXX ) on XX/XX/year> from me for baggage fees that were paid on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: NC

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  COLLECTIONS # XXXX BY EQUIFAX AND XXXX BY XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGTH TO PRIVACY.

15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX I received an email that my credit limit was changed. When I logged into my account, my Citi Double Cash card limit was reduced. Citi Double limit was $ XXXX with {$5000.00} available went to {$5100.00} limit and {$570.00} available. I have never missed a payment and always paid more than the minimum. I've had this card since XXXX and my account history with Citi has been excellent. Yes, my credit score has changed but that has not impacted my obligation to pay my debt. Reducing my limit impacts my credit score which further perpetuates the cycle of my score decreasing do this action. I understand the economy is challenging and uncertain, but I value my relationship with Citi and would appreciate their partnership with a consumer that is committed to them and reflect that with reinstating my credit limit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: GA

Complaint narrative:
I have experienced identity theft and I have multiple things popping up on my credit report that I do not recognize. I have sent 2 letters out requesting for validation of debt and none of these companies or credit bureaus have provided what I am asking for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
1099 REQUESTED WITH NO RESPONSE. BILL CAN NOT BE PAID. MEDICALLY UNABLE.

ACCOUNT NUMBERS DONT EVEN MATCH AND INFO IS INCORRECT.

\ 15 U.S. Code 1692c 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply bye email or if I am in an office in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
1099 REQUESTED WITH NO RESPONSE. BILL CAN NOT BE PAID. MEDICALLY UNABLE. 

ACCOUNT NUMBERS DONT EVEN MATCH AND INFO IS INCORRECT. 
\ 15 U.S. Code 1692c 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply bye email or if I am in an office in 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 2024-05-05 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: MD

Complaint narrative:
I am writing to file a formal complaint against Experian due to 3 fraudulent collection accounts that have been incorrectly listed on my credit report. These accounts, listed under XXXX XXXX for account number XXXX, XXXX XXXX for account number XXXX, and XXXX for account number XXXX, do not belong to me and I believe they are the result of identity theft. Despite my efforts to resolve this issue directly with the credit reporting agency through several formal disputes, the accounts continue to appear on my credit report. This error has caused significant financial hardship, negatively affecting my credit score, resulting in denied loan applications and increased interest rates on existing credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
DEBT WILL NOT BE PAYED MEDICALLY UNABLE. 1099C REQEUSTED AND NO REPLY 15 U.S. Code 1692c 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply bye email or if I am in an office in perso

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
DEBT WILL NOT BE PAYED MEDICALLY UNABLE. 1099C REQEUSTED AND NO REPLY 15 U.S. Code 1692c 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply bye email or if I am in an office in 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