vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 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:
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, Account name : # XXXX, Account name : # XXXX, 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 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 2023-12-12 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:
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, Account name : # XXXX, Account name : # XXXX, 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 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 2023-12-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: NE

Complaint narrative:
I was in need of a small {$1000.00} loan to pay off some bills. I inquired with several different banks to explore my options. Somehow during this process, CreditFresh opened this account without my knowledge or permission. I was only trying to get info on rates. After I was informed of it being opened, I requested that it be closed immediately and my request was denied. They told me they would take monthly payments directly from my checking account and that it would be paid off quickly. After paying for several months, I noted that the fees being deducted from my bank account were only enough to cover monthly finance charges and fees and the principle was never touched. Not only did they open the account without my permission, they mislead me in regards to how it would be repaid.

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

Complaint narrative:
At approximately XXXX XXXX XXXX on XX/XX/23, someone hacked into my Chime Bank XXXX XXXX ) account and made a transaction of {$4000.00} ( my entire checking account ) to a business named XXXX. Upon further research, XXXX is a XXXX and XXXX XXXX app. They changed the phone number and email address on the account to their own, which prompted notifications to me, which is how I discovered this was happening the next morning when I woke up around XXXX XXXX  MST on XX/XX/23. I immediately called the bank and they verified I was the rightful owner and unlocked the account and changed the phone number and email address back to my own. They attempted to make an XXXX grocery delivery order from an XXXX 's in XXXX XXXX but I was able to call XXXX and explain what happened. They stopped the payment and returned it to me. The phone number the hacker used was XXXX. Now, I have {$0.00} in my checking account and Chime is telling me it could take up to 90 days to investigate and resolve this issue even though this was a security breach on their end. I did not lose or misplace my card, someone hacked into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I filled out a pre- approved with no impact application for a secured XXXX card and it gave me a hard query on my credit report. I believe it was misleading information and should be removed from anywhere is reported.

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 2023-12-12 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
This is my 3 or 4th complaint about Chase card service. They have treated me like a criminal since my identity was stolen in 2021. I am still fighting with them to close an account that was opened in my name. They finally after almost a year and half closed my 1 account I had with them that had the {$6000.00} fraudulent charges on it. After getting a lawyer. Now they are still giving me the run around with the account that was opened in my name. I have not opened any new accounts with Chase. I only had the one account with Chase. Ive sent the police report, Ive called, Ive emailed and still not closing and removing from my credit report. My score was over XXXX now its a XXXX due to Chase not believing or responding to my identity theft report. I am not paying for an account that is not mine. I didnt open the account with the {$600.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to 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 non-monetary relief
Consumer complaint received 2023-12-12 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MA

Complaint narrative:
I co-signed XXXX private student loans with my daughter for her 4 years in college. She graduated in XXXX. We have had trouble making payments, and Sallie Mae has given us forbearance and reduced our interest rate. We were paying XXXX percent interest. They offered us a reduced rate for 3 years of 4 % interest. That 4 % interest expired at the end of XX/XX/XXXX. They raised our interest rate to 12.70 % and my payments went from {$680.00} per month to {$1300.00} per month. I can not afford that. Sallie Mae absolutely refuses to offer me a new lower rate and now I have built up a {$5000.00} late payment and I am losing my mind. My credit rating is ruined again and I can not refinance these student loans anywhere with anyone. I have offered to roll the late payment back into the loan if they can give me a lower interest rate. They have consistently refused. 

Help! Please and thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been a Citibank member for over twenty years and have had my CitiXXXX Checking Account Since XX/XX/XXXX At the XXXX Branch. 

On XX/XX/XXXX I noticed that over XXXX days, money had been taken from my Citibank XXXX account - a total of {$640.00} of Fraudulent Transactions. I called Citibank XXXX and the money was provisionally credited to my account. 

On XX/XX/XXXX I looked at my account and the money reimbursed was taken away. 

On the same day I went personally to the Bank and along with the Bank Manager called the XXXX Bank accounts. 
On the call we were told that case number XXXX was closed. 

I was asked if I knew XXXX XXXX who used the money to pay {$640.00} to pay a XXXX XXXX account. 
I replied NO, I DO Not Know her ( XXXX XXXX ) I was asked another question Did I give my routing Number to someone I answered NO, this money was stolen from me. 

On the call from the Bank phone we were told there would be a new Case investigation - Case XXXX. 
I was given over the phone a new Case number and was told I will be notified via email. l never was. 

I followed up with Citibank on XX/XX/XXXX to ask about the new Case Case XXXX. I was told the Case did not exist, my case was closed. 
A phone number for XXXX XXXX was included for follow up, for me to call XXXX XXXX. 
I called XXXX XXXX and was informed they only provide information to a XXXX XXXX. 

On XX/XX/XXXX I asked Citibank to put a stop payment confirmation to XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX. This was done while on the call with CitiXXXX 

As of XX/XX/XXXX I have not been credited the {$640.00} to my CitiXXXX Checking account. I am waiting for that money to be reinstated. 

For Security purposes I have closed the old CitiXXXX Checking account ending on XXXX and opened a new CitiXXXX Checking account NO. ending in 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 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have repeatedly requested to cancel the XXXX XXXX that I purchased from XXXX XXXX  on XX/XX/23. Since I have 5 days to request a refund from my initial purchase, I sent an email with intent to cancel my membership on XX/XX/23 and again on XX/XX/23. I requested that the business refund my initial deposit of the {$1800.00}. Following up to my email, I called the XXXX XXXX phone line on both days, at ( XXXX ) XXXX. The first representative told me that their inbox was full and to try again at a later time. The second representative told me to give them 5 days to respond. I never received a response from them regarding refunding my money, until XXXX month after I filed a dispute with my bank. The reply came from a man named XXXX XXXX XXXX on XX/XX/23 and it did not address their lack of response the previous month. XXXX only emailed me to say that his legal department would be in touch with my bank. Since my money was never refunded and I never heard from them since, I have no choice but to start the process of taking legal action. It should only take one message to a business in the appropriate timeframe, for them to acknowledge that I am due a refund, especially since I was a hotel guest at the time. The disorganization of this business is not myjurisdication, but it should no longer be my burden.

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 2023-12-12 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank closed my XXXX XXXX XXXX Account claiming that I made a {$30.00} that was returned. This was a payment supposedly done in XX/XX/2023 when my Synchrony Bank Account was on a Natural Disaster Deferment. In other words, no payment was retired. Therefore, I did not schedule a payment for the month of XX/XX/2023. My bank, XXXX XXXX does not have a record of such a payment even being presented from Synchrony Bank for {$30.00}, during the month of XXXX. The last payment my bank has was made and cleared my account on XX/XX/2023, for {$7.00}. Because of the supposed {$30.00} payment being returned, Synchrony Closed my XXXX XXXX XXXX Account. Once again, I did not make the payment of {$30.00} in the month of XXXX, nor did I authorize anyone to make a payment on my behalf.

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 2023-12-12 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:
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 2023-12-12 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: LEXISNEXIS
State: NY

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 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I applied for XXXX XXXXXXXX XXXX XXXX XXXX on XXXX, XXXX and finally on XX/XX/2023 and got denied on all occasions without any reason or explanation. They claimed they will mail out the reason, but they never do. When I contact them they never respond. Regardless of the reason for being denied. I have the right to credit. Withholding my access to securities is securities fraud. 

You are violating the equal credit opportunity act and consumer credit protection act.

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 2023-12-12 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: NY

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 non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have tried to use my american express gift card multiple times with no luck. The amount I have is XXXX dollars. I tried to buy an XXXX XXXX XXXX for XXXX and XXXX and neither worked. XXXX dollars was on XX/XX/23 and XXXX was on XX/XX/23. I tried to use on XXXX for XXXX on XX/XX/23. I tried to use on XXXX for XXXX. I called american express at XXXX on XX/XX/23 and twice on XX/XX/23 and they said that their are no issues with the gift card and it is active. I can provide the gift card number if needed. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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