vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not believe that an investigation was done because there are still unauthorized inquiries on my report. I have already filed a report and sent letters to the credit bureaus 7 months ago explaining that the inquiries being reported are not correct. I will attach the letter with this complaint. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove the following from my Transunion report immediately : XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX is duplicate but an actual account ***** XXXX  XXXX Inquiry XXXX XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX **** XXXX  is accurate but duplicate Inquiry *** XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/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 non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have no idea who these report is on inquire fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: PA

Complaint narrative:
THE LISTED ACCOUNTS WERE OPENED FRAUDULENTLY. THE ACCOUNTS ARE UNDER LITIGATION. THE ACCOUNTS WERE OPENED USING MY IDENTITY INFORMATION BUT WERE NEVER AUTHORIZED OR DID I HAVE KNOWLEDGE OF THE ACCOUNTS BEING OPENED. I AM A VICTIM OF IDENTITY THEFT. THE ITEMS IN WHICH I NEED TO BE REMOVED IMMEDIATELY ARE THE FOLLOWING : ACCOUNT : XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/2021 INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: Chime Financial Inc
State: TX

Complaint narrative:
Chime bank At approximately XXXX XXXX. XX/XX/2022 a transaction in the amount of {$50.00} was taken out of my account from XXXX restaurant. during that time I was at work in XXXX, Tx no where near the location of the transaction. I had my bank card on me and no one has access to my account nor card information. At that time my account balance was XXXX, and my overdraft was only {$25.00}. My balance was XXXX due to me transferring my check I just received that same day at XXXX XXXX XX/XX/2022 in the amount of {$630.00}. The only other transaction I made that day was from XXXX at the corner of XXXX XXXX and XXXX XXXX in the amount of {$2.00}. I then contacted Chime to file a dispute on XXXX XXXX. 2 days later on XX/XX/2022 with no emails stating why they denied my claim. How was my money able to be accessed for {$50.00} if my account balance was XXXX and my overdraft was {$25.00}? Thats not even enough to allow the transaction to go through. I called several times and was hung up on. When I finally got through for a call the person on the phone said that he wasnt able to transfer me to anyone and all communication will be done through email. I just want my money back. If I need to file a police report I will and contact a lawyer if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Credit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX - XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. I have already disputed the items below with the credit bureau 's but they did not remove then. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. I have already disputed the items below with the credit bureau 's but they did not remove then. 


XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I purchased a home in XXXX. the whole family caught XXXX in the month of XXXX. I lost wages until XXXX then the home I purchased the gas company cut my line from the street from XXXX until XX/XX/XXXX we was stuck we had to move out the home and move with family and we are behind XXXX k in mortgage dont know what to do Im here asking for help Im from XXXX  XXXX  XXXX I also purchased the home in 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 2022-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: VA

Complaint narrative:
FCRA 604 Permissible Purpose FCRA 609 Disclosures to consumers Enhanced Recovery Company is not licensed in VA to XXXXecovery debts as a collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: PA

Complaint narrative:
THE LISTED ACCOUNTS WERE OPENED FRAUDULENTLY. THE ACCOUNTS ARE UNDER LITIGATION. THE ACCOUNTS WERE OPENED USING MY IDENTITY INFORMATION BUT WERE NEVER AUTHORIZED OR DID I HAVE KNOWLEDGE OF THE ACCOUNTS BEING OPENED. I AM A VICTIM OF IDENTITY THEFT. THE ITEMS IN WHICH I NEED TO BE REMOVED IMMEDIATELY ARE THE FOLLOWING XXXX 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 non-monetary relief
Consumer complaint received 2022-12-15 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: PA

Complaint narrative:
15 U.S. Code 1681c2 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 XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

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 : ( XXXX ) 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.

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 2022-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XXXX XX/XX/XXXX unannounced, my AMEX was shutdown. Upon calling I was informed due to AMEX policy is because of an extra payment has not cleared. On XXXX XX/XX/XXXX for XXXX ( XXXX ) Required payment cleared, and made an extra payment online XXXX XX/XX/XXXX for XXXX ( XXXX ). in the process it was explained in a earlier complaint to AMEX that I didn't believe AUTO PAY took so I tried again for XXXX and unknown to me the original payment of XXXX cleared. 

Since the XXXX with no notification AMEX shut my card off and even after explaining the issue, rudely on the phone it was explained the XXXX has to run denied three times before they can open my card back. In my conversation with American Express, they have been extremely inflexible even after establishing this was an accident and both, XXXX ( XXXX ) where set-up as a extra payment. 

XXXX, I contacted American Express and now they changed the statues to pause. They want me to pay XXXX to unpause the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Hi, I have a case with you concerning Equifax case XXXX. They mailed a letter in responses to the complaint requesting the same information I have sent for 2 yrs. They are playing game, they think if they respond to us that I will forget and drop the case but Never this is illegal and they are wrong.Please post a review of this issue and inform me and others of how to pursue Attorneys. 
What are my rights under the Fair Credit Reporting Act? 

The FCRA provides a list of consumer rights regarding individuals credit history information. Under the Fair Credit Reporting Act, you have a right to : Access to Your Credit Report The act requires credit reporting agencies to provide you with any information in your credit file upon request once a year. You must have proper identification. 
XXXX tried to do the same thing, but thanks to you consumer protection after 2 yrs of them withholding my report they mailed it to me, '' Your awesome ''. So I will wait until you win my case as always, your champs. Thank you from the top of my heart, '' all who suffer injustice by these companies thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
During XXXX, I noticed that there were unauthorized accounts on my credit report that weren't opened by me. I filed a Identity theft report. All matters regarding those accounts have been resolved. Experian has since blocked my credit report and will not allow me or other creditors to access my report. Also, when I have been approved for other credit based on the evaluation of other credit bureaus such as XXXX or XXXX, Experian has notified creditors that there is identity theft on my credit report and this has resulted in accounts that I have been approved for being closed. 
Recently, on XX/XX/XXXX, I purchased a new XXXX from XXXX XXXX. I submitted the application with my state issued identification and other required documents and I was approved at the dealership. The transaction was complete and I drove away with the car. However, I was notified on XX/XX/XXXX, that due to identity theft reported by Experian, I would have to complete a identity theft affidavit and XXXX XXXX demanded that I turn my car in to them. 

Please help me to resolve this issue. Experian has created so many difficult situation for me regarding credit. I have tried to contact them and have them to remove any fraud alerts and remove the identity theft status from my credit file and they will not respond. If Experian has my file in their consumer affairs department and they have my file blocked, they need to remove my consumer credit file from their consumer affairs department and unblock my file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
TRUIST Item Processing Center XXXX XXXX XXXX XXXX NC XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX They are in violation of 15 U.S.C 1605, 15 U.S.C1635, and 15 U.SC 1692h and 15 U.S.C 1666b. I am requesting the return of my moneys due to fraud. The contract is now null and void failure to disclose right of rescission. Automatic violation in the truth and lending act ( TILA ).

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 2022-12-15 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: TX

Complaint narrative:
I do not believe that an investigation was done because there are still unauthorized inquiries on my report. I have already filed a report and sent letters to the credit bureaus XXXX months ago explaining that the inquiries being reported are not correct. I will attach the letter with this complaint. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove the following from my Experian report immediately : 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 ATTN - XXXX IS A DUPLICATION WITHIN THE TIME FRAME THAT ONLY 1 INQUIRY SHOULD SHOW UP. ITS AN ACTIVE ACCOUNT BUT ONLY 1 ACCOUNT 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 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 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

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 2022-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
My XXXX XXXX XXXX  that was serviced by XXXX  XXXX XXXX was transferred to Comenity. I used my new card for a home repair to get the points they offered me. I received my first bill from Comenity and it contained my billing for the large home repair. The bill was due on XX/XX/XXXX. I used XXXX XXXX from my bank account and asked that the check be sent to arrive on XX/XX/XXXX. The bank XXXX XXXX confirmed that they sent the check on XX/XX/XXXX. 

As of XX/XX/XXXX my large payment of {$10000.00} had not been credited to my charge card. I called Comenity and they stated that they hadn't received the payment. In order to prevent a late charge I paid the minimum payment amount. 

I contacted Comenity several times thereafter regarding the status of my payment, both in writing ( messages on their system ) and via the telephone. They responded that they would not report my card delinquent or charge me a late fee for 90 days while they researched it. The customer service representative stated that there was an issue with the conversion of XXXX accounts onto the Comenity system and that there were others who were affected as well. That they were expecting it to take approximately 3 weeks to get rectified. I stated that my bank said that I could put a stop payment on the check but to check with Comenity first to make sure they would not charge me a bounced check fee. They did not respond to that question but once again said that they wouldn't report for 90 days. 
I have now received my XX/XX/XXXX bill and Comenit is charging me {$160.00} in finance charge. I messaged them and they stated that since I had a balance that rolled into the next billing period I was responsible for the finance charge. This can not be correct since they have my check, did not answer me whether I should stop payment on my check and told me that it was a conversion issue. 
This servicer should be put out of business! I have had an issue with them before on a store credit card. They are robbers and are making money off not applying payments on time. 
Please help me out with this issue and pursue further for all the other customers that have been taken advantage of by this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Acquisitions Group
State: VA

Complaint narrative:
FCRA 604 Permissible purpose FCRA 609 Disclosures to consumers Fosters and Monroe LLC is not licensed in VA as a collection company.

Company response to consumer: Closed with explanation