vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score and overall financial health. I respectfully request that these inquiries be removed from my credit report immediately. The hard inquiries in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX which is pass the statue for reporting, US SM Bus Admin ODS is pass the statue for reporting. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a credit reporting agency may only include hard inquiries on a consumer report if they were made for a permissible purpose, such as an application for credit initiated by the consumer. Since I did not authorize these inquiries, they do not meet the criteria set forth by the FCRA. Additionally, 15 U.S.C. 1681i ( a ) obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of any information on their credit report. I am formally requesting that you conduct such an investigation to verify the legitimacy of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: IL

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score and overall financial health. I respectfully request that these inquiries be removed from my credit report immediately. The hard inquiries in question are as follows : Federal Saving XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX which is pass the statue for reporting, US SM Bus Admin ODS is pass the statue for reporting. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a credit reporting agency may only include hard inquiries on a consumer report if they were made for a permissible purpose, such as an application for credit initiated by the consumer. Since I did not authorize these inquiries, they do not meet the criteria set forth by the FCRA. Additionally, 15 U.S.C. 1681i ( a ) obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of any information on their credit report. I am formally requesting that you conduct such an investigation to verify the legitimacy of these inquiries.

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 2024-07-21 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: NY

Complaint narrative:
I am writing to dispute account XXXX - XXXX on my credit report that has been verified but is STILL reporting differently across the three major credit bureaus. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e, which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. 

In accordance with 15 USC 1666b, I am requesting that this account be either completely removed from my credit report or updated to reflect that it has always been paid on time, as agreed. The discrepancies in reporting are unfair and negatively impacting my credit score and financial standing. 

Please investigate this matter and take the necessary actions to rectify this inconsistency. I look forward to your prompt response and resolution of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: AZ

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove the accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
After filing a complaint when my account was compromised and funds stolen, Capital One blocked my online access and restricted my account. After numerous phone calls, I was told I had to visit a branch to verify my identity. This was my only option to have the restriction removed from my account. The closest branch was 5 hours away from my residence. I took off work to drive 5 hours to verify my identity. My visit was more of an interrogation as if I was a suspect of a crime. I was informed that they are still investigating and my account restriction could not be removed, so I was gave false information and I feel Im dealing with constructive fraud with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/year>, Chase reversed a XXXX transaction labeled XXXX Dispute - XXXX, resulting in a {$270.00} debit from my account. This reversal was unauthorized and unfair, as I provided proof of delivery for the item sold to the user involved in the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: LA

Complaint narrative:
I never went to a school that I had to pay for especially a college in Georgia I live in Louisiana and have no idea why theres a student loan on my 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 2024-07-21 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: NY

Complaint narrative:
I am writing to dispute account XXXX - XXXX on my credit report that has been verified but is STILL reporting differently across the three major credit bureaus. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e, which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. 

In accordance with 15 USC 1666b, I am requesting that this account be either completely removed from my credit report or updated to reflect that it has always been paid on time, as agreed. The discrepancies in reporting are unfair and negatively impacting my credit score and financial standing. 

Please investigate this matter and take the necessary actions to rectify this inconsistency. I look forward to your prompt response and resolution of this issue.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute account XXXX - XXXX on my credit report that has been verified but is STILL reporting differently across the three major credit bureaus. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e, which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. 

In accordance with 15 USC 1666b, I am requesting that this account be either completely removed from my credit report or updated to reflect that it has always been paid on time, as agreed. The discrepancies in reporting are unfair and negatively impacting my credit score and financial standing. 

Please investigate this matter and take the necessary actions to rectify this inconsistency. I look forward to your prompt response and resolution of this issue.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute account XXXX XXXX  - XXXX XX/XX/year> XX/XX/year> on my credit report that has been verified but is STILL reporting differently across the three major credit bureaus. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e, which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. In accordance with 15 USC 1666b, I am requesting that this account be updated to reflect that it has always been paid on time, as agreed. The discrepancies in reporting are unfair and negatively impacting my credit score and financial standing. Please investigate this matter and take the necessary actions to rectify this inconsistency. I look forward to your prompt response and resolution of this issue.

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 2024-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
It's been months now and my money is stuck in Juno account. I can't withdraw my money and as per them they can't do anything as their partner bank has issues with other bank and a court case is filled. 

My hard earned money is stuck and I think I lost the money. This is very painful. 

Would request you please XXXX  in here and help everyone.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: NY

Complaint narrative:
I am writing to dispute account XXXX XXXX - XXXX XX/XX/year> XX/XX/year> on my credit report that has been verified but is STILL reporting differently across the three major credit bureaus. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e, which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. In accordance with 15 USC 1666b, I am requesting that this account be updated to reflect that it has always been paid on time, as agreed. The discrepancies in reporting are unfair and negatively impacting my credit score and financial standing. Please investigate this matter and take the necessary actions to rectify this inconsistency. I look forward to your prompt response and resolution of this issue.

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 2024-07-21 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: NY

Complaint narrative:
I am writing to dispute account XXXX XXXX  - XXXX XX/XX/year> XX/XX/year> on my credit report that has been verified but is STILL reporting differently across the three major credit bureaus. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e, which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. In accordance with 15 USC 1666b, I am requesting that this account be updated to reflect that it has always been paid on time, as agreed. The discrepancies in reporting are unfair and negatively impacting my credit score and financial standing. Please investigate this matter and take the necessary actions to rectify this inconsistency. I look forward to your prompt response and resolution of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/24 I filed a dispute totaling {$420.00} & credits were posted same day! On XX/XX/24 I noticed more unauthorized transactions totaling {$320.00} so I filed another dispute! On XX/XX/24 the dispute was denied while on the phone waiting to speak to a supervisor! I opened the 1st rebuttal on XX/XX/24 but it wasn't documented until XX/XX/24 & denied a few days before the 10th day for the temporary credits! On XX/XX/24 I was placed into the hospital, same day I received my monthly payment and 2 days later my money was transferred into a account I don't know who this person is personally but she do work at the hospital! I've searched my phone location and the phone left the hospital and traveled to another city and stayed in that city for 2 days, so I filed another dispute in the amount of {$890.00} which was denied same day or next so I had to file a rebuttal! I've been out the hospital 5 days now without electricity due to not having the money to pay the bill! I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and haven't showered in 4 days! I've been calling all day on XX/XX/24 every hour to check the status of the credits and was given false hope even after explaining my situation! On XX/XX/24 was lied to by an csr about not being eligible for the temporary credits {$320.00}, supervisor also lied about making the credits available soon as we hung up, so I called back and was hung up on when I called the csr out on the lies she was telling me!! I didn't have to wait on XX/XX/24 for temporary credits of {$420.00} and was approved on XX/XX/24! Now it's 3 days shy of the 10th day for the temporary credits of {$320.00} & I'm having the hardest time getting the temporary credits that can be reversed at anytime to pay my bills! Now the dispute for {$890.00} I checked on maybe twice since opening it!! Now all calls have been about {$320.00} & because the 10th business day almost here they will deny the claim after being told I would receive them on XX/XX/24 & again on XX/XX/24 but I've still yet to receive it! Again I'm just getting out the hospital, no food due to everything spoiling and I'm XXXX! Enough is enough! I need my money & Chime is discriminating against me and I know it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Accounts # LVNV FUNDING LLC, XXXX XXXX, Has violated my rights. 
15 USC1681 Section 602 States I have the right to privacy.

15 USC 1666B : A Creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: MS

Complaint narrative:
XXXX Block Request : Dear Sir or Madam : I am a victim of XXXX  and the following addresses listed on my credit report are outdated and the result of that trafficking : - 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  please block the following accounts from my credit report pursuant to section 605C of the Fair Credit Reporting Act : 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 Please take immediate action to block this information from my credit report within four business days and provide me with notification of the actions taken. Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
On XX/XX/year>, a money transfer was initiated by Freedom Mortgage Inc. for a home loan that was in the name of my ex-husband in the amount of {$500.00}. I did not authorize the payment. When I contacted Freedom Mortgage, they stated the transfer was made though their online portal. When I contested it they stated there was nothing they can do being the mortgage was not in my name. When I asked for my personal checking info be removed from their system, they advised they could not do that without the permission from the person who held the mortgage. 

I had to go through my bank in order to get that money back but it concerns me that a party can make payment using an account that does bear their name and it remain in their name even when contested and also the company is able to store that information for future use.

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 2024-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Someone stole my phone and was able to access my chine account because my passwords are saved to my phone. The thief was able to change my password and my pin to my card and get away with XXXX. My debit card was in my phone case and thats how the thiefs were able to get my wallet. I filed a dispute and got denied by chime

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: AR

Complaint narrative:
This is my third notice of the XXXX XXXX or XXXX XXXX # XXXX inaccurate information. 15 U.S. Code 181 I, credit reporting is required to conduct a reasonable reinvestigation. I have asked for the reinvestigation and there was nothing done about the inaccuracy on the account. I have attached proof of the inaccurate information.

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 2024-07-21 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: AR

Complaint narrative:
This is my third notice of the XXXX XXXX XXXX  XXXX XXXX # XXXX inaccurate information. 15 U.S. Code 181 I, credit reporting is required to conduct a reasonable reinvestigation. I have asked for the reinvestigation and there was nothing done about the inaccuracy on the account. I have attached proof of the inaccurate information.

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 2024-07-21 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: MS

Complaint narrative:
XXXX Block Request : Dear Sir or Madam : I am a victim of XXXX  and the following addresses listed on my credit report are outdated and the result of that trafficking : - 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, please block the following accounts from my credit report pursuant to section 605C of the Fair Credit Reporting Act : 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  ] Please take immediate action to block this information from my credit report within four business days and provide me with notification of the actions taken. Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation