vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Everything you just said are lies and make up just to steal my money and keep it, I asked XXXX XXXX they said the money was refunded to the bank for Claim ID XXXX I have the proof of from them let me know if u need it This Claim ID XXXX too was for an artist XXXX page and the company wasnt able to do the work and they ran away so youre lying again here let me know if you need proof what about the XXXX too please give my money and stop lying you have it I pay a seller about {$850.00} for promotion and he couldnt deliver so I requested a refund which he did but chime havent send the money to me yet, I even attach the final ss of the dispute from the seller that the bank has my funds, another is the {$1000.00} for the same music promotion and XXXX page they couldnt deliver I open a case they got the money but refused to give it, the last was the XXXX XXXX XXXX said they refunded the money but chime havent given it yet please b4 you close my account can you write my {$2200.00} check? From my disputes I will attach the ss of each dispute I save it just in case you want to say Im lying because you can do something like that and let me know if you need more information or evidence this I will provide all the info I got them save

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: ME

Complaint narrative:
Hey, I am writing this complaint again for the second time. I have sent your company a dispute last month XX/XX/year> which I clearly stated the accounts that were fraudulent and in question, there are still accounts on my credit report that should not be there. The negligence of your company is causing me stress and affecting my mental health, not only have I stated the fraudulent accounts, I have also attached an FTC report with FTC number XXXX alongside my ID and social which I will be attaching again.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This account was delinquent on XX/XX/XXXX. It is currently XX/XX/XXXX and still furnishing to my credit report. It has reached its stautue of limitation and should be removed immediately.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This account was delinquent on XX/XX/XXXX. It is currently XX/XX/XXXX and still furnishing to my credit report. It has reached its stautue of limitation and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This account was delinquent on XX/XX/XXXX. It is currently XX/XX/XXXX and still furnishing to my credit report. It has reached its stautue of limitation and should be removed immediately.

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 2024-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a mortgage with BSI Financial. They have failed to apply my last XXXX payments to my account. In XX/XX/XXXX they apologized and said they can see my payments and they were held in another account. They apologized and transferred the payments. I have no other account. Today, XX/XX/XXXX I called and spoke to XXXX the BSI representative and she said she can already see the issue before I even told my story. She said their systems are not communicating with each other. She said she was taking my payments and applying them to my account. I also asked about the late fees being imposed. She placed a request for removal. My issue is that I pay my payment in advance. What about the person ( s ) that do not check or have the ability to call or email like I have done. If there is a system issue affecting thousands of mortgage holders and they are charging late fees for payments that are actual made are they not preying or stealing from the consumers? I want BSI investigated for illegal practices related to this issue. It seems like a game that once they are caught they just apologize and say sorry. Yet, I have to call and fight for something I already did. Plus, they are charging late fees for things that are not late. Something is devious in this behavior/practice. Please help the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
On Thursday XX/XX/year> I called Bank of America and advised I was unable to review & redeem my rewards money. She stated she would put a ticket in and it would be fixed in a day or so. 
On Friday XX/XX/year> I called BOA again and was told there was a problem with the app and it would be fixed by the weekend. 
On Monday XX/XX/year> I called BOA again and was told they were unaware of a problem but would put a ticket in. I asked to speak to a supervisor and was disconnected. 
On Thursday XX/XX/year> I went to a branch of BOA in XXXX XXXX & spoke with XXXX XXXX. She stated she would put a ticket in to get it fixed. She stated that was all she could do. 
On Friday XX/XX/year> I sent her an email asking what has been done to fix my inability to redeem my rewards money. On said date she called and stated it was an app issue. I advised her as well as all the other employees of BOA that I knew they were found guilty and fined XXXX XXXX dollars for not paying customers back their rewards money. All employees stated they were not aware of this 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 non-monetary relief
Consumer complaint received 2024-02-23 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: CA

Complaint narrative:
fraudulent inquirys was made on my credit report that wasn't done by me and I would liken them to be disputed I call the creditors to get this remove out my credit report and the excepted but tranUnion dont dont want to proside to dispute those inquires, this inquires are fradulent and I want them to the remove out my account.

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 2024-02-23 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: IL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
XXXX was taken from my checking account XX/XX/24 rcvd legal order from XXXX have no documentation of what own to them or what I should pay

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 2024-02-23 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: ALLIANT CREDIT UNION
State: PA

Complaint narrative:
ALLIANT CREDIT UNION Account type - Auto Date opened XXXX XXXX XXXX XXXX Address ALLIANT CREDIT UNION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Above Account created under ALLIANT CREDIT UNION without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please.

According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
SEQUIUM ASSET SOLUTIONS, I have written this company and certified mailed them asking for a debt validation letter and to stop contacting me. They emailed me this morning asking for money for a debt I do not owe. I have also forwarded them a copy of a letter from the last debt collector that could not provide me with a debt valid letter. This company should remove themselves from my credit and stop collecting efforts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: IL

Complaint narrative:
I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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 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 non-monetary relief
Consumer complaint received 2024-02-23 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: FL

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 : Account name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 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. 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 2024-02-23 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
JPMCB - AUTO FINANCE Account type - Credit card Date opened - XX/XX/2017 Address JPMCB - AUTO FINANCE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Above Account created under JPMCB - AUTO FINANCE without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Opened XXXX brokerage and checking account shortly after my XXXX birthday ( XX/XX/05 ) account was closed on XX/XX/XXXX with no reason provided after consulting support, all transactions were legitimate, in fact I had filed my tax returns to this account while it was active only to receive a rejected deposit notice from XXXXJPMorgan Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: SC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian will not dispute the information as they said it was verified called the creditor and it was not true the statement from the creditor states the account was venever reported fraudently ever to them I asked them to recent documents unfortunetley they will not do that anymore and they have placed a permanent internal lock on my account that is volating my rights they also sent me a letter stating that my dispute was made by error no error I want them to block all the information I am disputing and if the deny the need to provide accurate documents of verification of the debt I dispute the claim against me, asserting my rights under FCRA and TILA. Without written agreements, I question the validity 623 ( a ) ( 6 ) of the Fair Credit Reporting Act As a victim of identity theft, I request evidence to substantiate the claim.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

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 2024-02-23 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: TX

Complaint narrative:
I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely 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 2024-02-23 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: TX

Complaint narrative:
I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: ME

Complaint narrative:
Hey, I am writing this complaint again for the second time. I have sent your company a dispute last month XXXX XXXX 2023 which I clearly stated the accounts that were fraudulent and in question, there are still accounts on my credit report that should not be there. The negligence of your company is causing me stress and affecting my mental health, not only have I stated the fraudulent accounts, I have also attached an FTC report with FTC number XXXX alongside my ID and social which I will be attaching again. I should not continue to be punished for being a victim, and all I can do is reach out to your company to correct 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 non-monetary relief
Consumer complaint received 2024-02-23 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: IL

Complaint narrative:
I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. From my investigation these accounts listed do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: FL

Complaint narrative:
These companies are reporting fraudulent information on my credit report and I've contacted them and advised them of this and they have failed to resolve this issues. My federal protected consumer rights are being violated.

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 2024-02-23 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: TX

Complaint narrative:
I did not authorize the creation of these accounts, and I am certain they are fraudulent.

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 2024-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTIONS USA, INC.
State: GA

Complaint narrative:
In XXXX  2023, I applied to an apartment complex but was denied because Collections USA INC is reported on my XXXX and XXXX credit report. I contacted the Collections USA INC company and was asked to provide the last four digits of my social security number and date of birth. Upon rendering the information, the representative stated that Collections USA INC did not have a record of me owing a debt to said company then suggested that I contact the credit bureaus to have the information removed. I contacted XXXX whom stated that they would reach out to the collection agency to have it removed and suggested that I reach back out to the collection agency as well. When speaking to the same representative at Collections USA Inc for the second time, he then asked me for my personal information again and stated that the debt did in fact belong to me. I stated what the person at Collections USA INC had told me the first time I called which was that the said company did not have a debt on record for me. The representative from Collections USA INC told me in order to have the debt cleared, I would have to file a police report even though Collections USA did not furnish proof that the debt is mine. I sent in a certified letter to Collections USA INC but have not received the information requested as far as validation of the debt the company has reported to XXXX as well as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: LA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize and have requested info on the accounts.

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