vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
Yeah, I'm reaching out because of the issue. I'm having with Chine I got money from an insurance claim because part of my house burned down. OK now I had to Yeah, I'm reaching out because of the issue. I'm having with Chine I got money from a insurance claim because part of my house burned down. OK now I had to directly deposited in the chime because I don't have an actual bank account, but I ended up getting one after I got some money. Well me and my fianc had to make a bunch of big purchases to get back to things we lost long story short they locked my account. I have sent him everything that is needed pictures and pictures of my ID and a bill that's in my name pictures of my chime card. Emails of the XXXX XXXX and it's been like two months and every time I contact the supervisor they say the same thing there's nothing they can do they have to send it to somewhere else and they keep sending me the same email saying that the proof I sent them is not sufficient but they won't tell me what I need to change or do different I can't talk to nobody that knows and I'm about to get kicked out of my house and I got XXXX kids to feed and they got all my money for bills locked up. I don't know what to do thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, 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:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I Called Chime Twice About My Money And no one did anything. I told them I was robbed leaving work and I do not keep any passwords on my phone because of my XXXX XXXX XXXX daughter. So I clearly tell them someone stole my work bag where I keep all my important documents in to keep up with them. I even told them I couldnt log into my account and they say they sent me a new card when I never received it. I told them that someone was changing the information on my account. Like I told them multiple time and plus my mothers dead XXXX XXXX how the XXXX can they let anything slide I even sent them a picture of my ID And job form for my badge paperwork. These people telling me where I stay when Im telling them on my ID you clearly see it say XXXX XXXX XXXX XXXX XXXX I been staying In this House Almost my whole life. And I been banking with chime for too long. And this is not the first this happened where someone takes all my money from a bank I thought was safe for me but clearly I was wrong. And Its Like You Guys Do Not Care About My money. Like If I Was A White women my issues would have been resolved in no time and I know this but us being XXXX you guys think everyone of us lie, steal, or not work. But I do because I take care of my little siblings. I worked hard for all my money and for you guys to let that slide 3 times is crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent a letter multiple times to XXXX, XXXX, and Equifax. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I do not recognize this debt, amounting in {$1200.00} reported to XXXX & XXXX but not to XXXX. Which makes this collection inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: OH

Complaint narrative:
Enerbank informed customers that it was transitioning away from an old website/pay portal to a new website/payment portal in XX/XX/2023. As a result, the website indicated that if the customer already had a recurring payment established, a new one needed to be created. I did this at the beginning of XX/XX/2023, for a XX/XX/2023 payment. 

However, on XX/XX/2023, my prior recurring payment AND new recurring payment were both deducated from my savings account. I called Enerbank on XX/XX/2023 to report the issue AND the representative said I had to email the company 's account processing contact! I then called on XX/XX/2023 to get an update AND they could not provide one and said they will follow their process to resolve without providing any timeframe.

This is completely unacceptable as these are 2 large payments taken out on the same day ... and the company does not feel any urgency to repay me for their error and continue to inconvenience me to try to resolve. If I was late on my payment, I would incur many fees... but its acceptable for the bank to take more money than they should have! Unacceptable... please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account that is not mines was reported on my credit account. I would like this account removed because it dont belongs to me and the information is bringing problems to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX if a XXXX is still reporting inaccurately as a delinquent account or derogatory account with TransUnion it has not been deleted nor updated as a as the other two credit reporting bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: NY

Complaint narrative:
I received a promotion in the mail to spend a certain amount and receive an extra {$20.00} statement. The promotional credit was due and has not been paid.

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 monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I sent Equifax all of the required documents, per FCRA, on XX/XX/2023 to report the identity theft on several items reporting on my credit report via Certified Mail. According to the tracking information XXXX, the documents were picked up by an individual on XX/XX/2023 at XXXX. I called Equifax on XX/XX/2023 because I had not heard back and still don't have access to my account, per my last complaint. I spoke with XXXX, who escalated me to a supervisor, XXXX. He informed me they haven't received my documents, despite there being proof of delivery. As of today, XX/XX/2023, I still do not have access to my account or my credit report and it is preventing me from using valuable credit monitoring services, and my identity theft issues have not been addressed or resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Early Warning XXXX has no respect for the Fair Credit Reporting Act or the laws. Early warning XXXX  has admitted that they are a credit reporting agency and the FCRA clearly states a credit reporting agency can only produce a consumer report with the written permission of the consumer to whom it relates. Early warning XXXX  has not provided me with any permissible purpose and without that they do not have a right to report fraudulent accounts to my consumer report. Early warning XXXX  is in violation of the XXXX XXXX XXXX act which clearly states financial institutions such as early warning XXXX  must provide a consumer with an opportunity to opt out of any reporting of non-public personal information. I have been a victim of identity theft and the accounts reporting from XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, and chase need to be deleted from the early warning XXXX data base immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
This is a continuation of complaints XXXX and XXXX. 

I still have not received the refund I am owed even though it was promised by XX/XX/2023. I tried calling XXXX ( extension XXXX ) who had previously reached out to me but he did not return my call even though I left him a message. 

I'm honestly embarrassed for USAA that this still hasn't been resolved. I'm marking this complaint as public so others can see the utterly shameful way USAA has failed to address this issue despite repeated promises to do so.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
they are reporting incorrect information on my credit file. after i have disputed this and was told these inquiries would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, 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:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank under the XXXX umbrella I recently reurned to find a bill for {$2000.00} from Synchrony Bank. Not thinking I paid the bill. I then looked up the transaction report and there was nothing showing any charges. After hours of trying to get a live person, I got a lady from XXXX XXXX XXXX Her name was XXXX. She looked up my account and found the same thing, no transaction report, only that I owed {$2000.00}. I told her I was going to put a stop payment on the check with my bank, XXXX XXXXXXXX XXXX, and she agreed I should. In the meantime I received another notice that I owed another {$1800.00}. Again, I checked the transaction report and there was nothing indicating I owed that money. Again, I contacted the bank and got a person named XXXX. She could read some transactions, but I could not read them on my transaction report. She read off what I showed was owing and it did not total the {$1800.00}. She said she would send me the transaction report she had by US Mail, and I could not access as of that date, XX/XX/2023. Since then in accessing my account they have added charges for delinquent payment, a stop check charge for the {$2000.00} that I had to stop because of not knowing what I owed for, and interest charges that do not make any sense. Prior to this recent trip to Kentucky I had not used the card since XXXX and had paid in full all charges. As of today, XX/XX/XXXX, I still can not access my transaction report but they are telling me I am delinquent and owe additional money. I know this sounds bizarre but I have copies of all of this if you need them.

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 monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: AL

Complaint narrative:
I have contacted Discover card multiple times regarding an account that they are reporting on my credit report. I let them know that the account does not belong to me in several conversations. I have sent in requests to Discover asking for verification of the accounts per FCRA laws. They sent me a bunch of statements claiming to be mine. I have contacted the credit bureaus on this matter and they continue to say that Discover has verified the account to be mine. I was a victim of identity theft and I provided Discover with the police report I had filed several years ago on this. They are still refusing to remove the fraudulent accounts from my credit report. I am requesting that the account be removed immediately. Discover continues to update my credit report monthly which is against FCRA and increases the amount of time that this will stay on my report. This account needs to be removed. Please see a copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX if a cow is still reporting inaccurately as a delinquent account or derogatory account with XXXX it has not been deleted nor updated as a as the other two credit reporting bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I

HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSU
MER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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