vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ALL ACCOUNTS & ALL INQUIRES 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 XXXXXXXX has violated my rights as follows : 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 which I have NOT provided. 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.

Any and ALL potentially negative or adverse reporting, as well as unverified and inaccurate information must be deleted from my credit report immediately. Remove these items listed at your earliest opportunity.

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 2023-02-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: VA

Complaint narrative:
Chime has suspended my account and requested documents from me to unsuspend my account and have not been responding after I sunbmitted the documents required, I have been trying to get access to my account for XXXX  months, now Im homeless with XXXX  children because I cant access my funds that are in my savings account, they keep saying someone will review or theyll escalate the matter and it never gets resolved, I have over XXXX locked inside of the account and its urgent I can have it removed to another bank or something please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: GA

Complaint narrative:
I reached out to Experian about fraudulent activity which i have reported to idenitytheft.gov as well.

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 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As of XX/XX/2022, and continuing, XXXX, Transunion, and XXXX have0 blocked me from accessing my credit report, and has also prevented me from removing the Credit Freeze and Fraud alert, and will not let me update my email associated with my account. Customer service over the phone, and letters sent to them have been in vain, and nothing has changed. It's been over several months and nothing I have done as a remedy to resolving this account lockout, and removing freezes and fraud alerts has been any success. 

I have spent hours upon hours on the phone with their customer support only to be told that they are unable to access my report and scores, and can not do any changes, or remove any freezes, or fraud alerts that are preventing me from accessing my reports and scores until I speak with a higher chain of command, and as of now, XXXX, XXXX, and Transunion do not have a phone contact list, or method of reaching their higher level of support, nor does it give you an option on which type of support you wish to receive from their customer service. 

All three credit reporting agencies have neglected me, and their customer service, and support mocks, and ridicules my situation of being unable to access my credit reports, or even accounts with these bureaus ' because they say I should stop wasting their time. I have attached what little evidence is needed for this, but it will show you the PDF screenshots with the source timestamp, and website link too for each bureau 's block of me accessing my account, and ongoing errors that have been hindering the financial well being of both myself, and the Business ', employers, etc. that I do business with from time to time, and it requires them being able to access my reports and scores with my permission. When I give them consent to do their screenings, and credit reviews for a financial account opening, it turns out denied for being unable to access it, or any bureaus reports and scores for me.

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 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As of XX/XX/, and continuing, XXXX, XXXX, and Experian have0 blocked me from accessing my credit report, and has also prevented me from removing the Credit Freeze and Fraud alert, and will not let me update my email associated with my account. Customer service over the phone, and letters sent to them have been in vain, and nothing has changed. It's been over several months and nothing I have done as a remedy to resolving this account lockout, and removing freezes and fraud alerts has been any success. 

I have spent hours upon hours on the phone with their customer support only to be told that they are unable to access my report and scores, and can not do any changes, or remove any freezes, or fraud alerts that are preventing me from accessing my reports and scores until I speak with a higher chain of command, and as of now, XXXX, Experian, and XXXX do not have a phone contact list, or method of reaching their higher level of support, nor does it give you an option on which type of support you wish to receive from their customer service. 

All three credit reporting agencies have neglected me, and their customer service, and support mocks, and ridicules my situation of being unable to access my credit reports, or even accounts with these bureaus ' because they say I should stop wasting their time. I have attached what little evidence is needed for this, but it will show you the PDF screenshots with the source timestamp, and website link too for each bureau 's block of me accessing my account, and ongoing errors that have been hindering the financial well being of both myself, and the Business ', employers, etc. that I do business with from time to time, and it requires them being able to access my reports and scores with my permission. When I give them consent to do their screenings, and credit reviews for a financial account opening, it turns out denied for being unable to access it, or any bureaus reports and scores for me.

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 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I recently received a copy of my XXXX, XXXX XXXX XXXX consumer report, and i noticed that NAVY FEDERAL CREDIT UNION are reporting my transactions and experiences specifically a late payment that have posted on my consumer report : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX NAVY FEDERAL CREDIT UNION is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term ''consumer '' does not include - ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely at to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) NAVY FEDERAL CREDIT UNION Making the report is NOT INCLUDED on my Consumer report! A LATE payment is a transactional history, My HISTORY WITH NAVY FEDERAL CREDIT UNION. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on my consumer reports! NAVY FEDERAL CREDIT UNION HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which clearly states IS NOT included on my CONSUMER REPORTS. PUT ON NOTICE that the reporting of my transactions or experiences with NAVY FEDERAL CREDIT UNION to the consumer reporting agencies is a DIRECT VIOLATION of the Credit Reporting Act 15 USC 1681a 2 Ai and this constitutes to inaccurate reporting. Furthermore, pursuant to 15 USC 1681 S-2 15 U.S. Code 1681s-2 - Responsibilities of Furnisher of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBTION ( A ) Reporting information with actual knowledge of errors 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. DUTY : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  with the account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX account name XXXX XXXX has violated my rights according to 15 usc 1681 section 602 8 states I have a right to privacy 16 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your aacount without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Capital Accounts, LLC
State: AL

Complaint narrative:
Didn't authorize inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I have tried to contact this collector many times about this debt. I know have no acknowledgment of this account and never did business with them. It is bringing down my credit badly. They have failed to respond and I ask that this debt be removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX  morning XXXX about XXXX I tried to withdraw XXXX dollars off my payroll card and the ATm said they were having technical difficulties... But they withdrew the money off my card and I received no funds from the ATM... I went to the bank at lunchtime because the card company told me to ... the bank said they couldn't do anything it was the card company responsibly... I work hard for my money and I need my money refunded to my card and I'm getting the run around... 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 non-monetary relief
Consumer complaint received 2023-02-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Consumer Finance Protection Bureau, I am writing to bring to your attention a serious issue that I have been facing with fraudulent inquiries made on my credit report with all three credit bureaus ( Experian, XXXX, and XXXX ). Despite numerous disputes that I have raised with the credit bureaus, they have refused to remove the fraudulent inquiries, which is causing me undue stress and financial harm. Please see below a list of inquires I want removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), credit bureaus have a legal obligation to maintain accurate and up-to-date information on consumers ' credit reports. They must also take reasonable steps to verify the accuracy of the information that is reported to them, and remove any information that is found to be inaccurate or incomplete. 

In my case, the fraudulent inquiries that have been made on my credit report are affecting my credit score and making it difficult for me to obtain loans or credit. I have made repeated requests to the credit bureaus to investigate and remove these fraudulent inquiries, but my requests have been ignored or denied. 

I demand that the credit bureaus take immediate action to investigate the fraudulent inquiries and remove them from my credit report in accordance with their obligations under the FCRA. I also request that you take appropriate action to enforce the provisions of the FCRA and hold the credit bureaus accountable for their failure to comply with their legal obligations. 

Thank you for your prompt attention to this matter. I look forward to a resolution that will help me restore my credit standing and repair the damage caused by the fraudulent inquiries. 

Respectfully, XXXX XXXX Formally known as 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 2023-02-12 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I want to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the following accountsXXXX XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX XXXX XXXX XXXX XXXX XXXXAccount Number : 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 2023-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the credit inquiries listed below. Please remove them from my credit profile and credit report. 

Creditor Name : XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX  Date of Inquiry : XX/XX/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 2023-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
so I have the quest united card. They have cutoff time on the XXXX of XXXX XXXX est apparently I have made my payments literally all within 8 to min after and it is still the XXXX here in Utah. the company hold my payment and posts it on the XXXX and keeps making my payment late and charging a late fee. If you can to my last maybe like 5 to 6 of them all of them are maybe 7 to to min after on there side posts like XXXX to XXXX. This is ridiculous and I dont agree with these late fees at al and the again this last one they are dining for which they refuse too remove apparently posted at XXXX which is still XXXX Utah time so it is still the XXXX this cut off is ridiculous and you should be to still pay on the same day up to eastern time your own time this cut off is unfair and I dont feel this late is warranted at all all these payment going to even the last year half have all been on the XXXX but considered on the XXXX because of there systems not being able to post a payment on the same day and I am still making them on the same day I talked to 2 managers and none of them would help me get my last XXXX back I really feel they are being unfair with this and I want my last XXXX fee back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-12 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the following accounts : 1. ) XXXX XXXX XXXX XXXXXXXX XXXX/Account Number : XXXX ; 2. ) XXXX XXXX XXXX XXXXXXXX XXXX/Account Number : 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 2023-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Consumer Finance Protection Bureau, I am writing to bring to your attention a serious issue that I have been facing with fraudulent inquiries made on my credit report with all three credit bureaus ( XXXX, XXXX, and TransUnion ). Despite numerous disputes that I have raised with the credit bureaus, they have refused to remove the fraudulent inquiries, which is causing me undue stress and financial harm. Please see below a list of inquires I want removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED, XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), credit bureaus have a legal obligation to maintain accurate and up-to-date information on consumers ' credit reports. They must also take reasonable steps to verify the accuracy of the information that is reported to them, and remove any information that is found to be inaccurate or incomplete. 

In my case, the fraudulent inquiries that have been made on my credit report are affecting my credit score and making it difficult for me to obtain loans or credit. I have made repeated requests to the credit bureaus to investigate and remove these fraudulent inquiries, but my requests have been ignored or denied. 

I demand that the credit bureaus take immediate action to investigate the fraudulent inquiries and remove them from my credit report in accordance with their obligations under the FCRA. I also request that you take appropriate action to enforce the provisions of the FCRA and hold the credit bureaus accountable for their failure to comply with their legal obligations. 

Thank you for your prompt attention to this matter. I look forward to a resolution that will help me restore my credit standing and repair the damage caused by the fraudulent inquiries. 

Respectfully, XXXX XXXX Formally known as 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