vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX  ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way 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 account listed without my expressed written consent.

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 2024-05-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: MI

Complaint narrative:
Chime had many unauthorized transactions taken from my account amounting in $ XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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:
I recently received a copy of my consumer report and noticed inaccurate accounts reporting on my consumer report. TransUnion, XXXX, and XXXX is in clear violation of the law pursuant 15 USC1681B. The company has constantly disregarded the Consumer Credit Reporting Act which clearly states they can not add the item back unless more documents are provided and I am notified. Please remove XXXX Account system from report. Under the Fair Credit Reporting Act, TransUnion, XXXX, and XXXX has violated my rights. 15 U.S.C 1681 section ( 602a ) states, I have the right to privacy. 15 U.S.C 1681 section ( 604a ). Section 2 also states a consumer reporting agency can not furnish an account 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 2024-05-14 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: TX

Complaint narrative:
XXXX XXXX has placed on my equifaxcrefit report a loan for {$39000.00} which was XXXX through a class action settlement XXXX XXXX. I have tried contacting them number is not good. Should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I submitted a loan on XXXX and it had been over a month and I still didnt get a decision. Plus, when I contacted them, they re-ran my credit yet again when I did not reauthotize a second time which is now on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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:
There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action.

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 2024-05-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
FedLoan Servicing has placed on my XXXX report a loan for {$39000.00} which was discharged through a class action settlement XXXX XXXX. I have tried contacting them number is not good. Should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital 1 auto The Account opened XX/XX/XXXX Original debt XXXX Capital- charged off debt Product was deemed a total loss XXXX XXXX  coverage paid Capital 1 value of car Capital 1 worked closely with the payer insurance company and reported negative on my account to credit After Capital 1 accepted the total -loss insurance payment and they never reported amount to all 3 credit agency I filed a disputed XX/XX/XXXX because Capital 1 wasn't reporting inaccurately and improperly handling my account information The only resolution was to remove however, company chose to update debt from {$35000.00} to {$3800.00} I recontacted Capital 1 to reach a settlement because paying vehical early made me not subject to interest rates which would've occured throughout 5 year term We agreed on a XXXX $ payment arrangement until gap insurance check was received. 
Capital 1 was offerering settlement of XXXX dollars I negotiated XXXX $ would settle debt. 
Gap insurance set XXXX $ Instead of removing negative inquries and reporting payments Capital 1 charged off account. This should read paid.This account was mishandled I want this account removed not updated. 
This is in violation of accordance 15 us code and 1681s2. All information reported has not been correct.Information being reported to credit agency aren't reporting same information to XXXX, experian, and XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX credit card XXXX Card maxes out at XXXX Reports highest limit as XXXX Account was as opened in XXXX Account suffered fruad/ theft activity and underwent investigation They shared my information with XXXX XXXX that the account was potientally negative I contacted XXXX XXXXl because payment should've been received by institution.They notated my account and updated inaccurate information report to credit institution. I want the account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a business checking account and business credit card with Babk of America. Due to the business being slow I have not being able to make payments timley for my credit card, however Bank of America with out consent or authority has crossed lines and dogged into my checking business account and taken out over $ XXXX without my permission or consent to offset the monthly payment being behind on the credit card. Again they have just taken that $ XXXX out of my business checking account without my permission and applied to the business credit card. This has been done unauthorized and its simply stealing from me this money was for my business rent and they have stolen this money from me without permission.

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 2024-05-14 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove 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 explanation
Consumer complaint received 2024-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I submitted a complaint on XX/XX/year> in reference to accounts being placed on my consumer report that violate my rights. Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report. XXXX and XXXX both closed accounts reporting on my consumer report are in violation, any credit transactions account is supposed to be excluded from a consumer credit report, if the consumer 's social security number was used in the transaction. Please be aware that all negative remarks found on my consumer report is a violation of the FCRA and FDCPA when you can not furnish the validity remark. Every time I submit a complaint with any of the credit reporting agencies they all send the same automated messages. It seems there is not a real-life person responding back to the disputes but a AI generated system that chooses how to respond, despite it being a violation of my rights as a natural living breathing woman, According to the Dair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumer 's rights to privacy. '' XXXX, XXXX, and TransUnion are the consumer reporting agencies and I am the CONSUMER. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information. 15 USC 1681 ( e ) states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purpose listed under section 1681b of this title. '' XXXX, XXXX, and TransUnion are not maintaining reasonable procedures.

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 2024-05-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I submitted a complaint on XX/XX/year> in reference to accounts being placed on my consumer report that violate my rights. Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report. XXXX and XXXX both closed accounts reporting on my consumer report are in violation, any credit transactions account is supposed to be excluded from a consumer credit report, if the consumer 's social security number was used in the transaction. Please be aware that all negative remarks found on my consumer report is a violation of the FCRA and FDCPA when you can not furnish the validity remark. Every time I submit a complaint with any of the credit reporting agencies they all send the same automated messages. It seems there is not a real-life person responding back to the disputes but a AI generated system that chooses how to respond, despite it being a violation of my rights as a natural living breathing woman, According to the Dair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumer 's rights to privacy. '' Equifax, XXXX, and XXXX are the consumer reporting agencies and I am the CONSUMER. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information. 15 USC 1681 ( e ) states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purpose listed under section 1681b of this title. '' Equifax, XXXX, and XXXX are not maintaining reasonable procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Requested extension for payments my employment has been affected by the economy. 
extension was denied. I want them to work with me on my payments. Contacting others in regard to my delinquent payments. I am being harassed regarding payments. 
I have been making payments

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 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Dear Chase, I am writing to formally address an issue that occurred with my account, which was unexpectedly closed by Chase. Below, I have detailed the sequence of events, including dates and actions taken by both myself and Chase, to request your assistance in resolving this matter. 

Incident Description : Date of Notification : XXXX week ago I received notification from Chase indicating that my account would be closed. No specific reasons were provided for this action. 
Closure Communication : It was communicated that the account would not officially close for an additional XXXX weeks, and any remaining funds would be sent to me thereafter. 
Immediate Concern : The delayed closure and the withholding of funds have put me in a financial predicament as I need the available funds to meet upcoming financial obligations, specifically to pay my credit card bill due soon. 
Actions Taken : Inquiry to Chase : Upon receiving the closure notification, I contacted Chase customer service to understand the reasons behind the account closure and to express my need for the funds to be released earlier due to my pending financial commitments. 
Response from Chase : The representatives refused to provide any explanation for the closure or accommodate an earlier release of the funds. 


Thank you for your attention to this matter. I am looking forward to your prompt response to help resolve this issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate 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 2024-05-14 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: IL

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate 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 explanation
Consumer complaint received 2024-05-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Information has been sent certified mail. 
I, XXXX XXXX assert my rights under the FDCPA and FCRA. My privacy, protected by 15 USC 1681 ( a ) ( 4 ), has been violated without my authorization as required by 15 U.S.C 1681 ( 2 ). My credit card, as defined in 15 U.S.C 1602, was used without consent. Under 15 U.S.C 1681s.your organization must act. The credit bureaus have failed to maintain accurate data. Due to erroneous information and data breach, I filed an identity theft report as per 15 U.S.C 1681 c-2 ( e ), these inaccuracies must be removed within 4 days. Unauthorized use of my credit card, violating 15 U.S.C 1602, provides me no benefit under 15 U.S.C 1681s.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: OH

Complaint narrative:
Information has been sent certified mail. 
I, XXXX XXXX assert my rights under the FDCPA and FCRA. My privacy, protected by 15 USC 1681 ( a ) ( 4 ), has been violated without my authorization as required by 15 U.S.C 1681 ( 2 ). My credit card, as defined in 15 U.S.C 1602, was used without consent. Under 15 U.S.C 1681s.your organization must act. The credit bureaus have failed to maintain accurate data. Due to erroneous information and data breach, I filed an identity theft report as per 15 U.S.C 1681 c-2 ( e ), these inaccuracies must be removed within 4 days. Unauthorized use of my credit card, violating 15 U.S.C 1602, provides me no benefit under 15 U.S.C 1681s.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under FCRA 605B, we need to remove any incorrect accounts from my credit report. Can you please check the documents? Some accounts are inaccurately reported, and I am due {$1000.00} for each mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
XXXX. {$50.00} XXXX {$3900.00} XXXX {$50.00} XXXX. {$200.00} XXXX {$100.00} I have provided statements to Advantage, aka Fasa, and filed disputes with my bank, XXXX XXXX. The money has not been located, and I am at a loss. I don't know what to do. It's been XXXX months, and I've called dozens of times

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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