vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
I am writing to address a concerning issue regarding the status of my account with your organization. According to my credit report, the account was charged off before the completion of the XXXX period, which is inconsistent with the guidelines set forth by the Fair Credit Reporting Act ( FCRA ).

As per the 15 U.S. Code 1681- Congressional findings and statement of purpose, the FCRA was enacted to ensure fair and accurate reporting of consumer credit information. It is of utmost importance that all parties involved, including original creditors like yourself, adhere to these guidelines to maintain the integrity of the credit reporting system.

I kindly request an explanation as to why the account was charged off before the completion of the 180-day period. It is crucial for me to understand the circumstances surrounding this decision, as it directly impacts the accuracy and completeness of my credit report. Additionally, I request validation of the debt in question, including the original amount, any applicable fees or interest, and a breakdown of the transactions leading to the outstanding balance.

Furthermore, I would like to inquire whether insurance has been filed for this account. If an insurance claim has been made, please provide details regarding the coverage and its impact on the outstanding balance. Additionally, I would like to know if a 1099-C form has been filed for this account, as it may have tax implications.

It is important to note that the accuracy and completeness of reported information are paramount. As outlined in the 15 U.S. Code 1692e - False or misleading representations, debt collectors and creditors are prohibited from making false or misleading statements. Any inaccuracies or misleading information can have serious consequences for consumers, affecting their creditworthiness, financial opportunities, and overall well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: TX

Complaint narrative:
15USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish an account WITHOUT MY WRITTEN CONSENT. This erroneous reporting has hindered my ability to support myself. I ask that you use precedent cases Under code listed above.

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 2023-11-22 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: FC HoldCo LLC
State: FL

Complaint narrative:
Under the FCRA I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.

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 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2023 - XX/XX/2023 there was 20 separate transactions of {$200.00} and 1 of {$55.00} from XXXX out of my checking account using my debit card. These transactions were all made in different cities in state of XXXX. I live and reside in XXXX, XXXX  area and never visited those cities in XXXX. I called Chime soon as I saw these transactions to dispute all of these and other transactions made by a " XXXX account '' but Chime denied all my disputes made by XXXX but only refunded me the " XXXX '' transactions. These transactions drained all my funds in my account over {$4000.00} and I still have not been able to pay my bills on time. I had to reopen my dispute claim but still no response and no funds back into my account. I've been patient and trying to hold off my bills but I can't no more. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22 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 earnestly plead with you to promptly take decisive steps to eliminate the unauthorized inquiry from my credit report without any further delay.

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 2023-11-22 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: OK

Complaint narrative:
On XX/XX/XXXX a company only identified as A fraudulently charged my account for {$150.00} and another charge from the same company on the same day for {$55.00}. I complained and they said they would investigate and block the company. After that the transactions didn't show up on my account. Which then I was told that they couldn't find those transactions. I don't know where they went. On XX/XX/XXXX I again was charged {$55.00}. I again complained and somehow that transaction disappeared as well. I have gotten nowhere since XX/XX/XXXX with Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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 earnestly plead with you to promptly take decisive steps to eliminate the unauthorized inquiry from my credit report without any further delay.

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 2023-11-22 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX of XXXX, I disputed XXXX bankruptcy accounts shown on my credit file. I requested the bureau to provide the name of the person/persons or company and documents provided to verify any and all information associated with the alleged bankruptcy shown on my credit file and credit report. The bureau only responded stating the information was verified and updated. The verification the bureau states to have received is FRAUD. I contacted the Bankruptcy court asking if they report or speak to credit reporting agencies. They responded and I am attaching their response to this complaint.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX of XXXX, I disputed XXXX bankruptcy accounts shown on my credit file. I requested the bureau to provide the name of the person/persons or company and documents provided to verify any and all information associated with the alleged bankruptcy shown on my credit file and credit report. The bureau only responded stating the information was verified and updated. The verification the bureau states to have received is FRAUD. I contacted the Bankruptcy court asking if they report or speak to credit reporting agencies. They responded and I am attaching their response to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
RE : XXXX/COMENITY/VICTORIA Account XXXX  XXXX and XXXX : Account ending in XXXX XXXXXXXX. 

I represented a protected person before this compny as a court appointed guardian. The company was supplied with a guardianship order. Under Indiana Code ( IC ) 29-3-8-5 ( b ) : Every contract, sale, or conveyance executed by a protected person is VOID. Therefore, all transactions, even if claimed to be made by a protected person are VOID. Thus, all conveyance and transactions must be retracted, redacted and sealed. That person is a protected person under IC 29-3-1-13. Protected person 's any and all information, not limited to documents, histories entries are also protected ; and must be removed from any and all files, including electronic collection files. The company must not provide and release any information about this protected person to anyone except guardians, her attorneys without a Court Order. The Compnay was requested to cease and desist contacting the protected ; and not to disclose information of the protected person to any one. The Compnay failed to act to honor court order and Indiana Guardianship Act. Such acts violated Indiana Guardianship-IC Title 29. Probate 29-3-5-1. The Company was repeatedly contacted ; and they failed to provide any information and authorities that would supersedes Indiana Guardianship Act. 

The Company claims, without any proper " notice '' that they sold the debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX Balance : {$4000.00}.

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 2023-11-22 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: 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 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 2023-11-22 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank : Bank of America Account Number : XXXX Closure Department Phone Number : XXXX XXXX XXXX My phone number : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX ( XXXX : XXXX ) Account has been closed 4 months ago in undue manner and I have been asking for the reason but bank only gives me ambiguous answer. 

In fact bank by mistake did not close my account and had been receiving money. 
For 4 months time I have been trying to withdraw {$2500.00}, and after that 4 weeks ago this account has received {$29000.00} and for last 3 weeks I have been trying to withdraw {$31000.00} without any success. 

Every day bank says ( I called them everyday and visit to branch ) same story " they are assessing or reviewing '' Bank has not rights to withhold my money like 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 monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Today I received a letter from Citi about the disputed charges they have removed from my account. But they have since nearly DOUBLED the amount of original charges. So instead of disputed XXXX charges ( XXXX of which have been refunded ) there are now XXXX charges. 

As artifacts, I am attaching : - the original statements of the disputed transactions. 
- the analysis of the new transactions ( XXXX total ) placed on my account compared with the original transactions ( XXXX total ). 
- the letter from Citi saying that the issue is closed and RESOLVED. 

This issue is NOT resolved.

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 2023-11-22 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Today, XX/XX/XXXX, is when I was standing in line at the gym purchasing a smoothie and my chase card got declined. I go to my XXXX XXXX  only to see that chase has suspended this card. I'm assuming this is in response to the claim that I filed 8 days prior for the deposit that locked up the atm. It was XX/XX/XXXX, at XXXX when I deposited {$800.00} and the Atm went red and printed a receipt with a number to call in case my deposit didn't go through. I called and told them about the incident in which they forwarded me to claims. I receive a missing credit the next day and all is well. Fast forward to now, I have {$3100.00} as it stands right now with an upcoming payday on the XXXX, and I have no access to these funds. I need the funds right now, not in a check after an investigation which may take 10+ days. It is not good timing at all, and I really can't afford to be late on payments when I'm finally in a comfortable position. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can't do business with an entity that regards my frequent deposits as fraudulent. I have the deposit on video, it shouldn't be this complicated. It makes no sense to have a physical address and not be able to do anything but forward me to phone numbers. Chase was able to update my mailing address, that's about it. I was planning on paying rent a day prior to thanksgiving, now I can't even get a smoothie. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: NJ

Complaint narrative:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX Balance : {$4000.00}.

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 2023-11-22 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: NJ

Complaint narrative:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX Balance : {$4000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In early XX/XX/2023 I noticed my account had a note saying " Your account is Restricted '' I called immediately to find out why but the agents on the phone kept saying I have to wait until it was investigated. I made several dozen calls and same answers. They promissed that a note was being made on my account that I was calling to resolve the issue. 

A specific name of a person was given to me but only first name XXXX was assigned to my case. They said they will e-mail him so he can get in touch with me. He never did and its now 8 months. 

I need help resolving this issued. I keep getting the run around and time is going by very quickly with no resolve.

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 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was not immediately informed that my checking account had been compromised a person arrested for writing checks against my checking account this was XXXX XXXX XXXX  merged with mb financial and merged with 53 rd bank branch manager on XXXX XXXX XXXX  in XXXX XXXX XXXX area has worked for all three since the incident occurred

Company response to consumer: Closed with explanation