vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 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: TX

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. 

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 a 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: TX

Complaint narrative:
I am including a copy of the letter submitted to XXXX XXXX, and the response from the company for your review. 

On XX/XX/2023, I contacted XXXX XXXX about increasing my current credit card limit. Over the nearly 10 years I have had the card, I periodically call XXXX XXXX with this request to increase my credit balance, and subsequently, my credit score. During the call, I was told that XXXX XXXX would require certain information, and that depending on the results, a credit report MAY be necessary and that I will be notified if it is needed. I have received the same disclosure each time, XXXX XXXX has never needed nor performed a hard inquiry on my credit report for a credit line increase request. At some point during the process on XX/XX/XXXX, a hard inquiry was performed. I only learned about the hard inquiry after I received a notice from my credit monitoring service. I sent a letter to XXXX XXXX on XX/XX/XXXX, informing them about the hard inquiry and telling them that I never agreed to a hard inquiry on my credit report. 

On XX/XX/XXXX, I received a response letter from XXXX XXXX. The letter, purportedly drafted on the federal banking holiday of XX/XX/XXXX, says that XXXX XXXX determined that the hard inquiry was proper as an " application for an account requires us to review the credit file of the applicants for credit determination. '' I did not apply for an account ; I already had an account. To the extent that XXXX XXXX considers a credit line increase a " application for an account, '' and that a hard inquiry is required whenever a consumer requests a credit line increase, than XXXX XXXX 's chosen language that a credit report " may be necessary '' is deliberately misleading if XXXX XXXX 's position is that it will always be required for such requests. Either way, I did not consent to a hard inquiry and would not have proceeded with the credit line increase request if I had known that it would have results in a hard inquiry.

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 2024-01-05 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: WI

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 Account Number : XXXX XXXX XXXX ( {$1000.00} ), XXXX XXXX XXXX XXXX XXXXXXXX  ( {$380.00} ), Acct Number : XXXX XXXX XXXX  ( {$110.00} ), Acct NumberXXXX XXXX XXXX XXXXXXXX ( {$430.00} ), has violated my rights. 15 U.S.C 1681 section 602a states I have a right to privacy. 15 U.S.C 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish a 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 ( 7 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: Experian Information Solutions Inc.
State: WI

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 Account Number : XXXX XXXX XXXX ( {$1000.00} ), Acct Number : XXXX XXXX ( {$380.00} ), Acct Number : XXXX XXXX XXXX ( {$110.00} ), Acct Number:XXXX XXXX XXXX XXXX ( {$430.00} ), has violated my rights. 15 U.S.C 1681 section 602a states I have a right to privacy. 15 U.S.C 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish a 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 ( 7 ) 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 2024-01-05 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:
* On XXXX XXXX, XXXX I noticed a " hard '' hit ( inquiry ) on my credit report made by " XXXX XXXX '' on XXXX 
* On XXXX, XXXX After much difficulty I found a company so named. And I wrote an email advising them of the situation and asking for clarification as to what took place. 
* On XXXX XXXX Finally, after 2 more very explanatory emails from me they finally responded with a tiny bit of information : That they " have a loan application as a cosigner to XXXX  on XX/XX/XXXX. '' And they asked me " if you spoke with the borrower about co-signing the loan? Do you know the borrower? '' There is no obvious way for any consumer to contact them. No phone numbers or address. Just a " robo-answer '' email address. 
On XXXX XXXX, XXXX I notified TransUnion and received an acknowledgment stating my " Service Request is being addressed by their XXXXXXXX XXXX XXXX ''. 
XXXX XXXX has been uncooperative and dodging my direct questions. 
Today I informed them that after researching their company, it's principals, and the XXXX  rating of " XXXX '' with more than 200 complaints, that I was going to contact any and maybe all of the following : the CFPB, my Legislators, the local D.A. and FBI offices. 

They have been in business for 5 years and surelyI can not be the first to register a formal complaint. 

( I'm being timed out and will continue. There's quite a but more that I have to say. )

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 2024-01-06 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have communicated several times with you ( XXXX ) concerning the persistent presence of inaccurate information on my credit report. Despite multiple notifications highlighting these errors, you persist in reporting incorrect details within my file. This situation not only raises concerns about fairness but also suggests potential violations of legal standards, making it imperative for you to promptly fulfill your obligation in addressing this matter. According to regulations, you ( XXXX ) must take corrective action in response to my request. 

I am formally requesting a detailed description of the procedures employed by you ( XXXX ) to determine the accuracy and completeness of the CITICARDS CBNA account in question. Additionally, if no information related to this account can be produced, I request that it be blocked and deleted from my consumer report. I anticipate the implementation of this corrective action within four days from the date of receipt of this notice. 

Your prompt attention to this matter is greatly appreciated.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ADP Inc.
State: IL

Complaint narrative:
In pursuant to 15 USC 6802 ( b ) I called and explained to the consumer service rep that my consumer report and personal information is federally protected. I advised them of my rights per FCRA 604 ( 2 ) and also my federally protected right to " opt out '' as explained in 15 USC 6802. They told me that they can not allow e to " opt out '' thus is a violation of federal law. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure is to be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. In violation of FCRA ( A ) ( i ) you have furnished a consumer report without my written consent and have fail to to produce evidence of said disclosure as described within the FCRA.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: IL

Complaint narrative:
In pursuant to 15 USC 6802 ( b ) I called and explained to the consumer service rep that my consumer report and personal information is federally protected. I advised them of my rights per FCRA 604 ( 2 ) and also my federally protected right to " opt out '' as explained in 15 USC 6802. They told me that they can not allow e to " opt out '' thus is a violation of federal law. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure is to be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. In violation of FCRA ( A ) ( i ) you have furnished a consumer report without my written consent and have fail to to produce evidence of said disclosure as described within the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: LA

Complaint narrative:
XXXX XXXX this is the wrong name. 
XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX XXXX XXXX PL XXXX LA, XXXX XXXX XXXX XXXX XXXX LA, XXXX never lived at any of these addresses result of identity theft ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX the only familiar number is ( XXXX ) XXXXbbecause it is my old phone number but still needs to be removed the other XXXX are results of identity theft when I was under the age of XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX Both accounts are results of identity theft when i was under the age of XXXX and are the only XXXX that haven't been removed from my credit. 
I don't know if it's still on mt report, but my birth year was also incorrect it should say 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 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My debit card for my business was lost/stolen with my cell phone I called Chase went over all the transactions {$25000.00} worth and XXXX  days later they denied my claim I again reached out with the police report of the incident and they flat denied it again, these transactions were not made by me or did I give anyone authorization to use my card, they are fraudulent transactions As a result I will probably have to close my business. 


This is not fare you can't even speak to anyone their.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: IL

Complaint narrative:
I was in school from XXXX to XXXX of XXXX at XXXX XXXX XXXX XXXX XXXX which is an accredited college. I am waiting for the XXXX semester to begin. EdFinancial is telling me that my loans are due NOW which is not true. With an in-school deferment, student loans are not due until a student graduates or attends school less that half-time and then the student has a 6 month grace period before the loans are due. So, technically, my student loans should not be due until XX/XX/XXXX. 
Every time I call I get a different story from EdFinancial. One representative stated she would send the correct information to her " back office '' so they would put my loans into in-school deferment. That did happen but the loans stated they were due on XX/XX/XXXX. While I am waiting for the XXXX semester to start, XXXX is telling me my loans are due now. No student has to pay student loans BETWEEN semesters! I want my student loans placed into in-school deferment with the 6-month grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/ I noticed my checking account was overdrawn, which was odd. Called chase bank to report fraudulent charges to my account. Spoke with a rep and found out there were even more fraudulent charges that the bank stopped from being put through. The funds were temporarily placed back into my account and I had a new debit card ordered. On XX/XX/, I noticed my account was overdrawn again. Chase reversed the temporary credit and the {$1200.00} was taken back out of my account. I then called and spoke with another rep that reopened my claim on these charges. I received notification today that they are saying I authorized these charges, which I did not. Ive requested documentation and proof that I made these online orders with XXXX. They stated because I made purchases in the past they are valid. Ive requested the shipping address for these orders, the email address for order confirmations, as well as, the IP address the orderes were purchased from. That can take 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX accounts, XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 section 602 A. estatus I have the right to privacy.

15 U.S.C 1681 section 602 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 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX there were 10 different withdrawals from my account for somebody that had use my account to buy some things online from a company. I dont even know who they are for electronics. These purchases were made when I was still asleep, and I didnt even go shopping online or anywhere else on XXXXXXXX XXXX  I filed a dispute with Chime about these charges. They approved six of them and four of them they did not approve. I requested information about what criteria they went by to determine that they were not going to approve those for charges and requested them to send it to me, however I have not ever received any reasoning behind their arbitrary decision to not cover about {$120.00} worth of charges I did not make on my account Im including copies of those that they covered in those they did not

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear sir, I would like to request the information why you have requested my credit report through the credit report company, Experian, since I have never interested in the credit card offering of your company, so-called XXXXXXXX XXXX XXXX, which I could not find out the information to tell me what kind of company you are, even though your company might be related with XXXX XXXXXXXX XXXX. Since I have never felt the necessary to ask your companys service, you must have had some inquiry of my credit report without consent of me ; therefore, would you tell me why have given the request to get my credit report? And, if you have opened the account in my personal name, XXXX XXXX, would you kindly investigate who opened, try to close that account, and report to the appropriate legal and official system in the United States, since it might be offensive action internationally. Please contact Experian itself for the removal of your company from my credit report for your legal security. 

Sincerely,

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 2024-01-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
See all letters attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
After reviewing my credit report, I spotted some inaccurate late payment accounts that need reporting and correction through your company. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There was a checks deposited into my Bank of America account. I called them to report that I did not deposit the check and they froze the account or me and said that they would investigate. Unfortunately my work checks were still being direct deposited into that account and they said it would take 45 days for them to complete and investigation and that I would have no access to my fundas until the investigation was completed. I told them that I could not wait and had bills to pay so they closed my account and sent me a cashiers check which was fine but they also reported me to XXXXXXXX XXXX for suspicion of fraud even though they admit to not completing any investigation. I want them to immediately remove me from XXXXXXXX XXXX. How is it lawful to report suspension of fraud without completing an investigation, and when i spoke to XXXXXXXX XXXX they said that when items are reported they add them to the fole and that they do not require proof that the item it true or false. The woman I spoke with at XXXX XXXX name is XXXX and her employee ID # is 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