vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 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: LA

Complaint narrative:
I am writing to bring to your attention certain concerns regarding the information contained in my consumer credit report, as provided by XXXX, XXXX and Equifax. As a consumer, I am keenly aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the importance of ensuring the accuracy, fairness, and privacy of my credit-related information. Under XXXX XXXX XXXX, XXXX XXXX, there is a fundamental need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, XXXX XXXX XXXX underscores XXXX 's policy that each financial institution has an ongoing obligation to respect the privacy of its consumers. I have recently become aware that [ XXXX XXXX XXXX ], a financial institution by definition, has reported certain information to your agency without obtaining my explicit consent as required by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Additionally, I must assert my right to revoke any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Moreover, it has come to my attention that the reported information includes adverse items, violating the statutory provision of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which prohibits consumer reporting agencies from including certain items of information without proper authorization. I wish to emphasize that, as per XXXX XXXX XXXX ( A ) ( XXXX ) ( a ), any information furnished to a consumer reporting agency must be accurate. Given the discrepancies I have identified, it is evident that there may be inaccuracies in the reported information, constituting a potential violation of the law. Furthermore, XXXX XXXX XXXX mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section XXXX and limit the furnishing of consumer reports to the purposes listed under section XXXX. I am concerned that the procedures in place may not be sufficient to meet these statutory requirements. In light of the aforementioned issues, I am formally disputing the accuracy of the information reported by [ XXXX XXXX XXXX ] and kindly request a thorough investigation into the matter. I have enclosed relevant documentation supporting my claim for your review. Please be advised that, under XXXX XXXX XXXX, I am exercising my right to opt out of any adverse reporting services provided by [ XXXX XXXX XXXX ]. I trust that you will promptly investigate this matter and take the necessary steps to correct any inaccuracies in my credit report. Thank you for your prompt attention to this matter. I anticipate your cooperation and a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : 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 A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a 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 2024-03-02 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: MD

Complaint narrative:
I am writing to urgently request the immediate removal of several inaccurate items from my credit report provided by XXXX. Upon reviewing my credit report, I have identified several discrepancies that require immediate attention and correction. I demand the prompt removal of the following inaccuracies : 1. Charge-off : [ Provide details of the charge-off, including the account number, date of charge-off, and amount ].

2. Late Payment : [ Specify the late payment instance ( s ), including dates and account details ]. 3. Settlement : [ Detail the settlement and any discrepancies related to it ].

4. Inquiries : [ List any unauthorized or incorrect inquiries ].

5. Repossession : [ Provide details of the repossession, including date and account information ]. 6. Credit Card Issues : [ Detail any issues related to credit card accounts ].

These inaccuracies not only misrepresent my creditworthiness but also violate the Fair Credit Reporting Act ( FCRA ) guidelines. As such, I demand their immediate removal to prevent further harm to my credit profile. 
I remind XXXX of its obligation under the FCRA to ensure the accuracy and integrity of credit reports. Failure to promptly remove these inaccuracies may result in legal action. 
I expect immediate action on this matter and request confirmation of the removal of the disputed items once the necessary corrections have been made.

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 2024-03-02 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: MD

Complaint narrative:
I am writing to urgently request the immediate removal of several inaccurate items from my credit report provided by XXXX. Upon reviewing my credit report, I have identified several discrepancies that require immediate attention and correction. I demand the prompt removal of the following inaccuracies : 1. Charge-off : [ Provide details of the charge-off, including the account number, date of charge-off, and amount ].

2. Late Payment : [ Specify the late payment instance ( s ), including dates and account details ]. XXXX. Settlement : [ Detail the settlement and any discrepancies related to it ]. 
4. Inquiries : [ List any unauthorized or incorrect inquiries ].

5. Repossession : [ Provide details of the repossession, including date and account information ]. 6. Credit Card Issues : [ Detail any issues related to credit card accounts ].

These inaccuracies not only misrepresent my creditworthiness but also violate the Fair Credit Reporting Act ( FCRA ) guidelines. As such, I demand their immediate removal to prevent further harm to my credit profile. 
I remind XXXX of its obligation under the FCRA to ensure the accuracy and integrity of credit reports. Failure to promptly remove these inaccuracies may result in legal action.

I expect immediate action on this matter and request confirmation of the removal of the disputed items once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: MD

Complaint narrative:
I am writing to urgently request the immediate removal of several inaccurate items from my credit report provided by Experian. Upon reviewing my credit report, I have identified several discrepancies that require immediate attention and correction. I demand the prompt removal of the following inaccuracies : 1. Charge-off : [ Provide details of the charge-off, including the account number, date of charge-off, and amount ].

2. Late Payment : [ Specify the late payment instance ( s ), including dates and account details ]. 3. Settlement : [ Detail the settlement and any discrepancies related to it ].

4. Inquiries : [ List any unauthorized or incorrect inquiries ].

5. Repossession : [ Provide details of the repossession, including date and account information ]. 6. Credit Card Issues : [ Detail any issues related to credit card accounts ].

These inaccuracies not only misrepresent my creditworthiness but also violate the Fair Credit Reporting Act ( FCRA ) guidelines. As such, I demand their immediate removal to prevent further harm to my credit profile. 
I remind Experian of its obligation under the FCRA to ensure the accuracy and integrity of credit reports. Failure to promptly remove these inaccuracies may result in legal action.

I expect immediate action on this matter and request confirmation of the removal of the disputed items once the necessary corrections have been made.

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 2024-03-02 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: Chime Financial Inc
State: WV

Complaint narrative:
I made a withdrawal for {$400.00} on my Chime credit builder card on XXXX. The cash retracted into the atm due to " the transaction timing out '' and advised that I contact my financial institution. I was unable to start a dispute until XXXX as the transaction was still " pending '' on my account. I was advised yesterday that my dispute was resolved and that I would be getting charged for the {$400.00} I never received. I called and requested more information, a rebuttal on the dispute, a call from the " investigators '' to provide information and that the documentation of said investigation be sent to me via email. I would like help/advice on what I should do next, as it has already almost been XXXX XXXX an now may take up to XXXX more for them to reach a new resolution on the matter. I am 100 % confident that the atm I used would be + {$400.00} for XXXX. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I use Venmo to receive my direct deposits from my job. I tried to send money to my mother only to find my account was locked. This was after having run errands and using it all day for menial things like the dollar store and a fast food restaurant, however I did receive a transfer from the IRS, my federal returns, which may be relevant? But I had no warning. Nothing popped up on app, I didnt get the email they claimed they sent, nothing. So now they are holding just shy of {$200.00} of my funds and will not release them. I tried calling and they have no customer service you can speak to about account access issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: WI

Complaint narrative:
A back ground check was requested and submitted on XX/XX/XXXX to XXXX. The search dates for this back ground check dated back to XXXX of XXXX charges from XXXX & XXXX appeared. The date of the search is listed clearly, the dates of the offenses are listed clearly. This error has affected my eligibility for hire, I have sent emails and texts. I will call the third party who furnished the report Monday, XXXX XXXX  XXXX. 

I haven't received anything helpful back from the hiring or screening companies as of yet. ( XXXX XXXX XXXX. ) Lastly, I have not been notified as to what necessities of the job my history conflicts with and feel prejudiced. I would appreciate any aid, this position is very important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: GA

Complaint narrative:
I am writing to address a formal grievance and urgently request swift action on your part regarding improper reporting to the major credit bureaus, which has resulted in significant damage to my credit profile. Your actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), and the consequences of this non-compliance may include fines and damages.

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 2024-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I think the take away from this is Chase bank stopped the wire transfer on the first attempt with concerns of security fraud. When I wanted to know the concerns I was given a peace of paper with genetic information about crypto currency fraud Chase should not have allowed the transfer with the information they had about this company and the security certificates they had in their possession at the time of the {$30000.00} dollar transfer. 
Had a woman contact me on XX/XX/XXXX at XXXX XXXX  through XXXX  stating she was a friend of a friend name was XXXX XXXX XXXX immediately noticed that her name on the book she was holding in her photo was different XXXX. XXXX, XXXX stated she was in America to help her daughters in XXXX XXXX XXXX, XXXX XXXX area open up a second store that they also have in XXXX. We talked for several months prior to her, introducing me to crypto currency, and directed me to use XXXX as the exchange it started out slow as you may guess my suspicions are really high, and there are no problems at all. We made a couple of pretty decent returns and more money invested more money invested I was dragging my feet. Thats why the transaction dates are spread apart, but it continue to make returns and show the returns in the my account but when I went to the returns out I was unable to remove any money from XXXX XXXX. This person ( XXXX ) talked me into a loan from XXXX, in the amount of $ XXXX which I sent to chase bank and put in saving account Later creating a wire transfer Ive had all the transcripts from day one where we started chatting on XXXX to. Switch to XXXX on XX/XX/XXXX to when she quit talking to me on XX/XX/XXXX asked if I was willing to put more money into the program and I said no and her response was OK I get it. Im ready to go have dinner now and havent spoken with her since when I tried to remove money from XXXX theres always an excuse on why it cant be moved from the equipment is down for maintenance to now the excuse is I havent paid any income tax on it so I cant move it and when I asked where the taxes be paid because there is nowhere on the site for taxes to be paid, I havent gotten no response other than someone saying ask a legitimate question? so my balance on XXXX showing {$100000.00} and of course Ive got copies of that as well Cell So I guess the way that the scam must work is you can get your money in there and it shows that youre making money but youre never allowed to pull it back out Wire transfer for {$30000.00} was made on XXXX XXXX through Chase bank XXXX AZ

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: PA

Complaint narrative:
I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I received a letter stating They do not report any bankruptcies to any of the bureaus. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may know any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. states, I have the right to privacy.

According to 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

According to 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 2024-03-02 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XX/XX/24 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

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 explanation
Consumer complaint received 2024-03-02 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: Grain Technology, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XX/XX/24 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

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