vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am a victim of identity theft. Transunion reported a fraudulent account that was re-inserted on my credit report. I have previous disputed this information three years ago and was removed from all the credit reporting agencies. This old debt from a XXXX company, I never did business was reinserted by a debt collector name XXXX XXXX with a new date as a new debt, I believed that re-aging a debt is illegal. Transunion is the only reporting agency validating this fraudulent accounts after providing all theft reports and affidavits documentation pertaining to this matter .This debt does not belong to me, nor did I have knowledge until my information was stolen XXXX years ago. Please remove this debt and sent me an updated report showing the deletion. The debt collector called XXXX XXXX change the date and report this account as new debt, I believed that is illegal and I will take steps to report them to my Attorney General and XXXX XXXX protection Agency.

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 2023-10-28 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: Fay Servicing, LLC
State: NY

Complaint narrative:
I am receiving information on MY loan solely through disputes & credit reports. Fay refuses to notify me of a seriously delinquent account & found out through searching on my own. The information I receive is INCOMPLETE, INACCURATE & totally unfair & a violation of my rights! 

This time, PLEASE focus on providing me with 24 months of COMPLETE payment history & send to MY address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

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 2023-10-28 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: VA

Complaint narrative:
XXXX loans amounts not correct, each credit bureau is reporting a different amount. When I asked for it to be removed from my credit report only XXXX honored my request. I would like for student loan information to be removed from all of the credit 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 explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NY

Complaint narrative:
Someone opened a checking account with Chime.com using my name. I received emails indicating as much starting on XX/XX/XXXX. I disregarded them as marketing emails at first, but got a notification about a card being shipped that I needed to activate. I called the Chime.com customer service number to inquire on XX/XX/XXXX. 
I told the representative I had been getting emails about an account but didn't open one. I gave them my information, and the rep said that there was an account, which he had just closed. I was very disturbed by this, as it indicated someone had enough of my personal information to open a bank account. I wanted to confirm what information was used to open the account. The rep would tell me nothing. I tried to confirm that someone had used my SSN to open the account, but he wouldn't even confirm that. He said they would only deal with me if I got a police report. 
So I went to the police station to file a police report. They told me I was wasting my time, but I did it. I got the police report. 
I emailed the customer support address. They sent me a secure link to upload a police report or ftc identitytheft report and confirmation of SSN. I uploaded the police report and the SSN confirm. 
Since then they have been actively unhelpful. Every time I upload the documents, they immediately respond with the same request for documents. I've sent them the same documents 3 different times, to no avail. 
Occasionally I would get a different response. When I threatened to report them to regulators, they did send me an account statement- which was of course not what I was looking for. I told them this, and they sent me the same request for documents. 
I have about 35 emails going back and forth with no end in sight. I just want to know what information was stolen and given to them, but it seems to be company policy to never reveal it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
When I used my XXXX app to pay off my credits, Bank of America doubled charged me on XX/XX/2023 for {$500.00} * XXXX. I asked BofA to check the transaction, but they asked me to contact XXXX. It's obvious BofA 's fault to deduct the same amount of money twice in my account.

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 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I called Chase Card Services on XXXX XXXX, XXXX and told the XXXX to pay my entire balance on my card that day via a link to my checking account. Around XX/XX/2023, I got my next monthly bill from Chase and found there was a late charge and penalty because my XXXX XXXX purportedly wasn't paid. I spent hour on the phone fighting with various persons at Chase telling them the Chase agent was at fault, that she was clearly directed to pay my bill immediately, not a month later. I paid both my XXXX and XXXX XXXX but refused to pay the late fees. Chase reviewed my case, determined I was correct and their rep was at fault. They removed the late fees. I asked a supervisor if Chase sent negative information about this later payment to the XXXX credit bureaus. I was told they did not. Negative information is only sent if a payment isn't made for two months, not one, was the information I received. I sent a letter of complaint to Chase asking them how this could have happened and why I should trust their customer service people to EVER make a correct debit to my checking account again. Chase responded with a letter that answered none of my questions. The letter was vague and unclear but seemed to indicate they might have sent negative information to the credit bureaus. I contacted the woman at Chase Executive Services who was assigned to my account. I have now called her 15 times. She is never available. I told her voice mail what dates and time I am available ( I have a job and can't answer a cell phone at work ). She called me back once, during a time when I told her I was NOT AVAILABLE. I finally asked for a supervisor to call me. XXXX never did. I called again and asked for a supervisor, gave the times I was available. He also called me during a time I was not available! I have written Chase two letters ; none of my questions have been answered. I don't know if they have contacted the credit bureaus or not because I'm getting conflicting information from them. They won't call me ; they ignore my letters. This is unacceptable. I'm left in the lurch because they have poor staff who aren't trained well. Their errors becomes my problems, yet they won't talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I thought I lost XXXX checks XXXX to XXXX for XXXX and XXXX XXXX for XXXX The banker put stop payments on the wrong acct!! He used my sons acct who doesnt have enough money and now double payments were taken out of my checking The banker now left me broke XXXX when Ive never had a financial issue and sent bills out that will bounce!!! 
Unacceptable and this is not my fault and my credit can now be affected I cant go food shopping as there is limited money or get gas This is absolutely wrong and something should be fine to get my money back so XXXX can eat How dare they do 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 explanation
Consumer complaint received 2023-10-28 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

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 2023-10-28 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XX/XX/2023 I received a text from Chase Bank alerting me to possible fraudulent activity on my debit card. Looking at the details of the transaction and being aware that I had not made it, I replied 'NO ' to an auto-prompt to cancel my card. At this time I realised that my card was lost/stolen. 
XX/XX/2023 Looking through my online statements I saw three additional transactions that were not authorised by me and had occurred prior to my card being cancelled, at a total of {$420.00}. ( These were three in-person transactions, two at a XXXX XXXX and one at XXXX XXXX XXXX  XXXX ' all in XXXX XXXXXXXX, WA dated XX/XX/2023 XXXX I live/was in XXXX, WA in the weeks preceding these transactions ). I called Chase Bank and reported the fraudulent transactions and a claim was opened. 
XX/XX/2023 I received a letter from the bank ( notice date XX/XX/2023 ) that the charges had been investigated and found that 'the transaction ( s ) was processed according to the information you provided or was authorised '. I immediately called the bank and explained that this was impossible and requested they re-open the case. I was told that the money would not be credited and it is up to their discretion should they choose to investigate further. I requested further information and was not given any. I immediately filed a police report over the lost/stolen card and fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
According to consumer law, they have violated my rights. I asked for my personal information not be shared with any another reporting agency. - [ ] 15 usc 1681 B : permissible purpose - credit furnishers can not share consumer information without the consent or written permission from consumer ; persons who knowingly and willing obtaining information on a consumer from another consumer reporting agency under false pretenses ) shall be fined under title 18. ; - [ ] 15 usc 6802 : rights to privacy.

Obligations with respect to disclosure of personal information.. they are in violation and I want to persue legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. tracking number for USPS is XXXX XXXX XXXX. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXX  ) Has violated my rights XXXX XXXX XXXX XXXX XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

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 2023-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
advance america charged me outrageous and illegal interest and fees for a payday loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: VA

Complaint narrative:
XXXX loans amounts not correct, each credit bureau is reporting a different amount. When I asked for it to be removed from my credit report only Equifax honored my request. I would like for student loan information to be removed from all of the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, has violated my rights. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2023-10-28 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2023-10-28 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: GA

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I SAW THESE NEGAITVE ITEMS

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