vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 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: MI

Complaint narrative:
I am disappointed that my information have been compromised by identity theft.I am trying to buy a home for me and my family and this has put a serious hold on the process. By the FCRA, 15 USC 1681 G my information should be safe and secure and i see its not. My information has also been in a breach. This is a defamation of my character and causing emotional street on me. Identify Theft is not far and the credit reporting agencies can be sued for having damages on my credit report.There are also some addresses, 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 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
My account was restricted my access to mobile deposit was taken away from me with no valid reason. 
On or around XX/XX/23 I submitted a picture of check Which they said wasnt clear I called rep said continue to input until system accepts a clear photo I awoke to restricted abilities I called again they made me submit security appeal over and over and over and still wont contact me w live rep as requested to explain why Im being discriminated against as the last two reps said they cant see a valid reason why its restricted. 
I also like to add the mobile check was cashed by my other institution with no problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: GA

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX : # # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX BANKRUPTCY ( U.S. Bankruptcy Court ) : # XXXX, DEPTEDXXXX XXXX # XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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 2023-12-22 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: FL

Complaint narrative:
On XX/XX/23 I was applying for new credit so I went to my equifax online account to temporarily lift the freeze I have in place. I was unable to lift the freeze online, I received an error message advising me to call customer care. I gave a call to customer care and they were unable to remove the freeze as well. After being placed on hold for several minutes they advised me that a block was placed on my file and I needed to provide personal verification documents to them via mail. This was very upsetting because why do I even have a block on my file. They was unable to provide a reason. And requesting personal information via mail puts us at risk of fraud and more. But nonetheless being that I am currently trying to purchase a home, on XX/XX/23 I sent a letter along with 3 pieces of personal identification documents, asking for the block to be removed. The mail was sent priority and received by their company on XX/XX/23. I was told to call once I sent the letter and let them know and within 4days it should be corrected. I have spoken with customer care throughout this week and they are saying they didnt receive it. Lies, because I have receipt of delivery. I am unable to purchase or apply for anything because they have a block on my Account. I am entitled to my credit report and blocking my file is against FCRA. When you havent provided a reason for the block. And once I have provided my information to you, which I have, for Verification that block should have been removed. Not to mention all the disputes I have put in online and I have provided this same information as proof over and over again so what are you doing with the documents we send in to you. I need this block removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2023-12-22 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: CA

Complaint narrative:
I'm a casualty of data fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, help

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 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
While traveling with my wife in XXXX in late XX/XX/2023, I noticed fraudulent activity on my chase bank debit card. The amount in total was almost {$3000.00}. I called Chase Bank fraud department and they have declined my claim 4 times now unlawfully and unreasonably.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I received a letter on XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX, saying a judgement for {$1000.00} is dormant and can not be enforced but in the near future, likely within the next 60 days, his office will file a motion to substitute appearance of councel and a motion to XXXX  judgement. They are claiming the judgement is from is from XX/XX/2016. I sent a verification of debt letter via certified mail on XXXX, the tracking is XXXX XXXX XXXX XXXX XXXX. It says delivered to a XXXX XXXX XXXX XXXX but XXXX  I got the letter returned to me, 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 2023-12-22 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: TN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-12-22 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: RI

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 The following hard inquiries are unauthorized. XXXX already recgnized these accounts as frivolous and removed them from my report. I need Transunion to follow suit and remove them from my consumer report. 

FCRA section 604 ( provides that XXXX  person shall not use or obtain a consumer report for any purpose unless '' the consumer report " is obtained for a purpose for which the consumer report is authorized to be furnished under ( FCRA section 604 ] '' and " the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. *12 FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses.

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 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Take a look at the attached documents. I request the bureau to initiate an investigation into these accounts, as I have never been late, yet they are reporting me as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Kindly examine the attached documents. I want the bureau to start an inquiry into these accounts, as I am never late with payments, despite their erroneous reporting.

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 2023-12-22 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: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I have contacted this company numerous time and filed a complaint with this company regarding a late payment they are reporting when this account was closed in XXXX, per prior dispute company agreed to remove this incorrect late payment for XX/XX/2023 due to account being closed which I am enclosing the letter below but have not remove the XXXX late payment, If not removed immediatly will seek legal actions for the continuing of reporting inaccurate information and damages to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: MI

Complaint narrative:
I am disappointed that my information have been compromised by identity theft.I am trying to buy a home for me and my family and this has put a serious hold on the process. By the FCRA, 15 USC 1681 G my information should be safe and secure and i see its not. My information has also been in a breach. This is a defamation of my character and causing XXXX XXXX on me. Identify Theft is not far and the credit reporting agencies can be sued for having damages on my credit report.There are also some addresses, 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 non-monetary relief
Consumer complaint received 2023-12-22 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 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 2023-12-22 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-12-22 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: RI

Complaint narrative:
XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 The following hard inquiries are unauthorized. XXXX already recgnized these accounts as frivolous and removed them from my report. I need Transunion to follow suit and remove them from my consumer report.

FCRA section 604 ( provides that *a person shall not use or obtain a consumer report for any purpose unless '' the consumer report " is obtained for a purpose for which the consumer report is authorized to be furnished under ( FCRA section 604 ] '' and " the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. *12 FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses.

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 2023-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have had a Rooms 2 Go, Synchrony Bank account for a couple years, as I used it to make a bedroom/frame purchase from a Rooms 2 Go store in XXXX of XXXX. This was on a large no-interest policy, which was set to expire/end at the end of XXXX. Randomly at some point near the end of XXXX, the bank, while doing it's " monthly reviews '' decided my account should be closed and exerted it's authority in the matter, closing the account down, while preserving my no-interest policy. The original purchase was for {$1000.00}, with a minimum payment of {$17.00} a month. None of this is where my complain lies. 

Once they randomly decided to close my account, their actions also prevented me from using their highly convenient app to keep track and make purchases. I do not own a full fledged fully working computer so this was definitely an extra burden they put on me, and I believe their reasons for doing so are malicious. There is no reason to block someone out of an app designed to make payments convenient, unless their intention was to not make things convenient. As with most policies involving no-interest, if I were to miss a payment they would have the authority to not only revoke the no-interest policy but add on all of the interest from the beginning, netting them several XXXX dollars in interest fees and such. 

It is my strong belief that their action, and likely policy, to prevent customers with active debt, from accessing an app that all of their other customers are free to use and is available on all platforms, is an attempt push customers towards violating their no-interest policy. It is not lost on me that the decision to close the account was done solely on their end as well, meaning they have been responsible for every action. I am concerned their actions are malicious and intended to push customers in these situations to acrue even more debt, and there is no financial burden on them in allowing access to the same convenience features that all of their other customers enjoy. This was also a store credit card, giving even less reason to take such measures as it was for a furniture store and not prone to constant purchases.

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 2023-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023 at XXXX, me and my husband went to a local Chase bank branch located at XXXX XXXX and used their drive thru ATM service to deposit money. We had {$1900.00} total in cash that we wanted to deposit. On the first attempt, we deposited {$940.00} which went successful. However, on our second attempt to deposit the remaining {$1000.00}, the ATM took the money in but revealed an error and gave me a receipt showing two transactions, one being the {$940.00} and the second one showing " Not Available ''. My husband and I took the receipt and the first thing we did was we went inside the branch to ask for assistance, the staffs replied saying that we have to call the number on the receipt. As soon as we got out of the branch, I called the number and reported the situation. I told them all the information they needed to file the claim and they told me they will give an reply in a few business day. On XX/XX/2023, Chase Bank deposited a temporary missing credit of {$1000.00} into my checking account and I was informed by email that they still needed to perform an investigation. On XX/XX/2023, Chase Bank took away the {$1000.00} missing credit and never informed me by email or phone regarding this decision. On XX/XX/2023, I logged into my checking account to see that Chase took back the {$1000.00} credit, immediately I called Chase Bank and after I was transferred to the claim department, I told them the situation and asked them the reason for the withdrawal. The claim department told me it was because they did not discover my money in the ATM during the investigation. I explained that I truly did deposit money in the ATM and they replied saying that if I need to provide a proof. I told them that I got this money from my mother who opens an restaurant and gave me the money directly from the cashier in cash and asked them what kind of proof do they accept. The agent did not answer my question and kept repeating that I needed some kind of proof and gave me their fax number to send the proof to their department. Till this day, Chase did not resolve this problem and my money is still not returned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
hi so amercain express froze my card they said it will be unlocke XXXX XXXX hours but its been XXXX hours and i cant use my amercain express gift card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have Hard inquiries that were made on to my credit report that I did do not recognize or did not authorize!

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