vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 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: MO

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. 

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 a 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I made XXXX, Experian, and XXXX aware of info that was not accurate being reported in my consumer report on XX/XX/year>. It has been over 30 days and I have been yet to be notified of investigation results. The inaccurate information has yet to get removed from my report. Below is the letter notifying them that they have not complied as well as the original letter sent on XX/XX/year>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 2024-05-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: AR

Complaint narrative:
I filed a dispute for unauthorized transactions due to theft and fraud. I wrote a letter requesting provisional credit while an investigation be conducted, and I submitted a police report. I checked my account today and seen Netspend made an update in which they denied the claim with no credit given. My funds per my contract said I would be insured if reported in a timely manner. There is no way an investigation could be completed this fast, with no proof of an investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
I think this happened on the morning of XX/XX/XXXX or XXXX I have a checking account with chime that's been unsecure since I've had it. I'm continually pointing out the things that are going wrong someone from XXXX XXXX stole about {$800.00} out of my account and chime because of their poor security issues it started with a {$1.00} withdrawal and then about a couple minutes later there was an {$1.00} withdrawal and then I think another {$1.00} then you think we're continually every 2 minutes {$1.00} was taken out every 2 minutes and I've told the supervisor at XXXX I talked to that this should not even happen there should be software written that a flag comes up nobody takes out {$1.00} from XXXX XXXX and then 2 minutes later takes another dollar out from cash and this is continually happening with chime they're unable to secure security account unable to fix it even though you point out what the error is I I have a lot of experience with hardware and software I work in the tech areas and I know this is almost impossible to come up to happen when you have a {$1.00} withdrawal another wood {$1.00} withdrawal within 2 minutes this one on for almost you know like an hour and after that there was also a {$5.00} withdrawal I think a {$50.00} withdrawal another {$20.00} withdrawal from XXXX XXXX  and chimes unable to solve this problem and unable to even help me with this problem I've complained about this problem over and over again nobody 's fixing it nobody 's getting my money back to me.. they're taking the time trying to get the money back to me I've asked because my card was deleted after this I asked for a card to be XXXX  to me and they told me that I have to wait for 7 days and now I may be thrown out of my apartment because I can't pay my rent because Chime... 
I am have tried to get them to send me a XXXX  a card to me and they refuse to do it I said that I have to wait 7 to 10 days for a card people need access to their money this is continually happening in time I don't understand why consumer protection board can't do something about these companies like chime and they're continually doing this and nobody seems to stop them or care to stop them I continually have been trying to work with chime to tell him what's going on their software isn't working and they refuse to help me to XXXX  a card to me I mean it's my money they're not keeping it secure and I should be able to get my money.. please can you help me with this problem I'm I've been battling with chime for months and they don't want to fix anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: TX

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. 

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 a 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 explanation
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
I am writing to bring to your attention the issue of inaccurate information that Experian is reporting on my credit report. Despite my efforts to resolve this directly with Experian, these inaccuracies have not been corrected and continue to adversely affect my credit score and financial well-being. 

These inaccuracies are clear violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

The FCRA mandates that credit reporting agencies must ensure the accuracy of the information they report. Specifically, Experian is in violation of : Section 611 ( 15 U.S.C. 1681i ), which requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of a dispute being filed. 
Section 623 ( 15 U.S.C. 1681s-2 ), which obligates information furnishers to provide accurate information to credit reporting agencies and to correct any errors promptly. 
Given Experian 's failure to adhere to these legal obligations, I am requesting the Consumer Financial Protection Bureau 's immediate intervention to ensure compliance. I urge the CFPB to mandate Experian to delete the inaccurate information from my credit report without delay. 

Attached to this letter are copies of my communications with Experian, including dispute letters and their responses, as well as a copy of my credit report highlighting the inaccuracies. 

I appreciate your prompt attention to this matter and look forward to a swift resolution that restores the accuracy of my credit report. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Complaint Regarding Unresolved Fraud Claim with Bank of America Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Bank of America regarding their handling of a fraud claim I filed in XX/XX/2023. My account was hacked, resulting in an unauthorized transaction of {$500.00}. I reported the incident promptly and provided all necessary documentation, including a police report and a phone report from XXXX. 

Despite submitting these documents promptly, Bank of America has repeatedly denied my claim. Each time I reapply, they request additional documentation, making it increasingly difficult to prove my case. As a person on a strict income due to my XXXX, this situation has caused significant financial and emotional distress. 

Here is a summary of the events : Incident Date : XX/XX/2023 Unauthorized Transaction Amount : {$500.00} Documentation Provided : Police Report Phone Report from XXXX Bank of America 's Response : The claim was denied multiple times, with escalating requests for additional documentation. 
I have exhausted all means to resolve this issue directly with Bank of America, but their response needs to be more adequate and supportive. Given my limited income and the undue stress this situation has caused, I would like your help resolving this matter quickly and fairly. 

I appreciate your attention to this serious issue and am waiting for your guidance on the next steps. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX Attachments : Police Report Phone Report from XXXX Letter I submitted to Bank of America CEO

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 2024-05-29 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: PA

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 # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name 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 a 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 2024-05-29 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: PA

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 # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name 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 a 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 explanation