vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: EAST WEST BANK
State: CA

Complaint narrative:
On XX/XX/XXXX, I went to this bank to apply for a POA ( Power of Attorney ) for my father and provided all the legal documents. A week later, the bank informed me that they needed a doctor 's certification proving that my father couldn't go to the bank in person. ( At the same time, I handled the same request with XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX. The first XXXX banks processed it on the same day, and XXXX XXXX  took XXXX week. ) So, I provided a hospital admission certificate for my father. Another week later, the bank notified me that without a doctor 's signature, they couldn't proceed. I then provided the doctor 's signature from when my father was admitted. A week later, the bank informed me that the doctor didn't specifically state that my father was unable to handle transactions, so they couldn't process it. I provided a XXXX  statement indicating that my father was XXXX  and wouldn't be XXXX soon. A week later, the bank staff informed me that their manager, XXXX XXXX, refused to proceed and insisted on a specific note from the doctor stating that my father couldn't handle any financial matters. 

To date, five weeks have passed, and the matter is still unresolved. This experience makes me feel that the bank manager, XXXX XXXX, does not care about customer needs or state laws. He only seems to enjoy the pleasure of rejecting customer requests and the power he holds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: NC

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts.

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 2024-07-08 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 delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/year> I went online to reopen my acct with Chime. The rep stated that the acct was opened back up no problem. 

On XX/XX/XXXX my direct deposit hit my account. Since I didn't get my card in the mail i calk Chime they Said i could use my temporary card. We'll it would not show up in the app. The rep stated that since she had to send up as a system problem as to why my temporary card was not showing up. My son has a Chime acct so I tried to do pay to pay transactions and that didn't work. This went on for 2 days. I called and got a different answer every day the it's was told to me on Friday XX/XX/XXXX that my act was not opened it was still showing closed. A person from tech team said it was escalated to technical support but nobody got it opened. I called back Saturday XX/XX/XXXX and spoke to another supervisor who told me once again the account was closed and he reopened it but that pushed my card coming to XX/XX/XXXX. At this point I was done. Angry and frustrated, I told them to close my acct and send my money. I was told my acct was XXXX and no card was coming. I can't get to work I take care of my XXXX XXXX  and I cant get to my payroll. Lo and behold I go to the mailbox today and there was a chime card that they said was not coming till XX/XX/XXXX. I called a supervisor to see if they can activate card long enjoy for me to get my money the supervisor said no they already XXXX card. This was negligence on chimes part but they are wanting to hold my money. It's not my fault they couldn't get acct opened and they do not need to hold my money. They can expedite a check

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: CA

Complaint narrative:
I have been using experian to make my credit better and monitor my credit report They have actively suppressed my credit score As well as recently completely removing my score and making me unscorable Up until a month or two ago my credit has been steadily climbing and that is because I was using credit karma instead of experian Only to recently find out experian has removed my score completely making me unscorable All my accounts are in good standing All my old debts paid off All my bills paid on time including utilities and phone and cable bill and insurance for the past 8 years They refuse to recognize things that would positively impact my credit report I only have one charge off and I worked with the company to pay it completely in full Experian has moved toward automation and corruption to deny users the ability to get a better score even when they are good citizens I have a net worth of XXXX based on assets and banks alone I have XXXX bank accounts and all my credit cards are paid off and gone I utilize XXXX credit

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 2024-07-08 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: NC

Complaint narrative:
I made a complaint against Transunion in regards to reporting inaccurate information. The companies has committed numerous violations and did not do the right thing and update information accurately.

1. ) The Privacy Act of 1974 was put in place to protect consumers. I never provided written or verbal consent for Transunion to release transactions or personal information. However, the company has furnished personal information that I do not consent to being released. There is no reason my phone number, DOB, employment, and different names are furnished without my written consent or approval. 
2. ) The company claims to have investigated complaints, but has failed to provided procedure or written documentation of said investigation. If a consumer is stating inaccurate information it is apparent TransUnion is not doing their due diligence and looking into the matter. For example I provided proof that a debt was sold by a creditor, which means that is income and should not be furnished on my report as per the IRS. However, rather than remove this information, the company updates it. 
I am unsure if TransUnion is above the law and is able to report inaccurate information, but I would like this matter to be further investigated

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 2024-07-08 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-08 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX. This Account is in violation of 15 U.S. code 1681A ( XXXX ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
CHAPTER XXXX BANKRUPTCY Case Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account.

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 2024-07-08 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I bought a XXXX freezer XXXX. The freezer stopped working XXXX. I contacted the store where I purchased it and they said nothing they can do since I need to contact the extended warranty company which I also purchased through them which I did. 
Contacted XXXX XXXX XXXXXXXX they had to contact a service center XXXX called again and XXXX XXXX claims they calling service centers. 
XXXX XXXX XXXX  XXXX XXXX Services did come out to repair the freezer. Service man said I needed parts to repair which he ordered. 
XXXX parts came in and I called the service center back XXXX service man did come back out and did replace the new parts and the freezer still isn't working. The service man said there's nothing else he can do. I must have gotten a bad freezer. 
XXXX I called XXXX  extended warranty for a refund of the purchase price of {$1300.00} + {$300.00} for the food replacement which is part of the agreement. 
XXXX I called XXXX  once again only to be placed on hole for an hour and they came back and explained they waiting for the reports from the XXXX XXXX  XXXX XXXX XXXX. which I was told they were sent to XXXX XXXX  XXXX Same thing I contacted the owner XXXX from XXXX XXXX XXXX explained I still never got this freezer fix.. I explained to her the serviceman claims if the parts didn't work which they didn't the freezer can't be fixed. 
I need a freezer. I need a refund. On our local news just today it had a reporter claim my credit card company should be on my side and giving me a refund.

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 2024-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Groundfloor Finance Inc.
State: CT

Complaint narrative:
Hello this is my forth complain about this company! The response they provide my is not helping me because they are saying they are awaiting clawback from my back because I dont have any account with XXXX  XXXX XXXX anymore so there wont be any clawback from the bank because my account is closed so how will there be a clawback. So because there will be no clawback because this account is mine and it is closed and because they dont want to give me back my money so they said they suspect me of fraud and they know that my account is closed for real and there will be no clawback from my back because my account is closed so they can get to keep the money. There will be no clawback from my back so what are they gon na do I wan na know if they gon na keep my money forever??? Because there will be no clawback! My account is closed I cant even call the bank to tell them to make a disputed or clawback because I no longer have account with them. And another thing they are still investing my money I have proof on my email as well every minute I get a email saying my money is being invested so thats what they want they want to keep my money!!! So what will they do keep my money forever????? I want an answer to that.. because I cant give them my money like that!! Thats XXXX for XXXX sake!!! I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX. XXXX XXXX. Account XXXX : XXXX XXXX {$1600.00} XXXX date XX/XX/year> I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian website will not allow you to change your address or phone number. I moved several months ago and no longer have the same phone number or address and I can not change it or reach a person on the phone to fix it. It seems they expect me to file a dispute in order to get the changes made. Not a friendly user site at all! 
I tried to reach them by phone and it just kept asking me for the same information then recycling it back to the same questions. I call on XX/XX/XXXX at apprx. 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 2024-07-08 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: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX XXXX Case Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : **** Delete this account. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 


4. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2024-07-08 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: VA

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute late payment remarks appearing on my credit report. 
Please investigate and remove these remarks promptly. 

Upon reviewing my financial records, I discovered that there have been instances of late payments recorded against my account. I want to sincerely apologize for any inconvenience or concern this may have caused. I assure you that this was not intentional, and I take full responsibility for the oversight. 

I understand the importance of maintaining a good payment history, and I am committed to rectifying this situation promptly. To ensure that such occurrences do not happen again in the future, I have taken the necessary steps to implement better payment tracking and reminders.

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 2024-07-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
15 U.S. Code 1692c - Communication in connection with debt collection XXXX XXXX XXXX  - XXXX Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/year> Open Since XX/XX/year> Ownership Individual Current Balance {$12000.00} Monthly Payment - Original Creditor XXXX XXXXXXXX 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