vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
Account name : # XXXX. XXXX. XXXX, XXXX {$310.00}. XX/XX/XXXX Account name : #, XXXX XXXX XX/XX/XXXX {$260.00}. Account name : #, XXXX Number XX/XX/XXXX Account name : # XXXX Bank XX/XX/XXXX {$280.00} Account name : # XXXX. XX/XX/XXXX {$95.00} Account name : # XXXX XXXX XX/XX/XXXX {$870.00} has violated my rights. XXXX5 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 an 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 or 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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the XXXX XXXX XXXX act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX collections account # XXXX XXXX collections account # XXXX XXXX collections account # XXXX XXXX collections account # XXXX 15 USC 1681 section 602 A states I have the right to privacy. 

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 atendates the report by more than 7 years 15 USC 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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, 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: CA

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 XXXX XXXX XXXX. 

XXXX collections account # XXXX XXXX collections account # XXXX XXXX collections account # XXXX XXXX collections account # XXXX 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 atendates the report by more than 7 years 15 USC 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 2023-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I have disputed this claim with CONVERGENT OUTSOURCING 3 times now. This is a fraudulent claim due to identity theft. I filed a police report. Ive never lived in a trailer park, lived in XXXX or surrounding area, nor setup service with XXXX XXXX at the address. I have been a victim of identity theft through a major data breach.

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. I have sent this complaint to 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 explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. I have sent this complaint to 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 explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica
State: MI

Complaint narrative:
So I was told back in XXXX that my checking account was closed due to no funds. To find out my account was under investigation when I didnt know I didnt receive a statement I havent used my bank account since at least the end of XXXX not once I have been banking with XXXX. And theyre checks that are deposited into my account for over XXXX $ my account has never had over at least XXXX $ so they tried to say I did it and overdrafted my girlfriends account by using her grandmas saving account to get the funds of XXXX $ on XX/XX/XXXX or XX/XX/XXXX the bank keep saying. I have never had over XXXX $ if you look at the bank statements youll see the inconsistencies. They have have taken it 2 times saying I was the one who overdrafted it which is not true. I have been banking with XXXX now my credit is going to be ruined because of the negative funds. They say its closed but whos to know when they will replace that money from her grandmas savings account that my girlfriend is on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, 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.

XXXX  Account # 0
1 XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$95.00} Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. I have sent this complaint to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, 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:
the credit bureaus stated that my account was properly investigated this can not be fact at as as the account listed are all reporting inaccurate across all three bureaus. 
15 USC 1681 section 602 A. states i have a right to privacy 15 USC 1681 section 604 A section 2 : a consumer reporting agency can not furnish an account with out my written permission 15 USC 1681e compliance procedures 15 USC 1681b accuracy of report when ever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure that maximum possible accuracy of the information concerning the individual about whom the report relates, 15 USC 1681a ( 5 ) if any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item is found to be inaccurate or incomplete or unverifiable the consumer agency SHALL promptly delete that item from the file of then consumer these accounts are all being reported wrong across all three bureaus account name : XXXX XXXX XXXX account number : xxxxx account name : XXXX XXXX  account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX account number : XXXX these accounts have been disputed and re disputed with no change or fixes to my report under the laws that govern these credit bureaus my rights as a consumer have been greatly violated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/2023 as I attempted to login to my mobile banking app I received a notice advising that the application had been locked due to suspicious activity. Prior to the application locking I had logged in a number of times as I expected a deposit from a new job that I recently started. I reached out to a customer service representative at the number provided by the app and was immediately advised that the account was being closed with the reasoning of there is not a reason the bank can close the account at any time. ON XXXX XXXX I reached back out to see if that information provided was accurate. I was now advised that my account only needs to be verified in branch with 2 forms of ID to be unlocked. Later in the evening on XX/XX/2023 I reached back out to customer service as my account balance had changed which reflected the deposit but as I attempted to use my debit card it advised that it was locked. I also received an email stating that the account was restricted and may close soon. The email prompts me to login to the application to review the letter as I have paper-less notifications setup. I brought this to the attention of the rep to see if I could get a clear answer of what the notice is advising, if I do need to verify the account and how I could obtain the funds on the account. I was advised that no information could be provided and that I would have to refer to the letter. I am very disappointed and feel that the bank has acted both without reason or concern for the customer. Im in cycle of not knowing what to do and not getting any answers. I really can not think of any reasoning that the account would be closing and why Im not allowed to know what is taking place on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have asked EXPERIAN repeatedly for a date when the negative account XXXXXXXX XXXX XXXX is dropping off my credit file and they have not been able to give me a straight answer as mandated by the FCRA. I have a right to know when negative items are dropping off my credit report and to have the information reported correctly or it must be removed. I know it should be this year but they are reporting inaccurate information by not listing the removal date on my credit report ( please see attachment ). I ask that they either disclose the exact date the account is being removed from my credit file - and place it on my credit report or remove it immediately for being incorrect and incomplete.

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 2023-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase XXXX put XXXX on hold and then XXXX and then another XXXX then XXXX and I called to find out why and they said I was sued by a debt collector and I called a debt collector and they told me that the debt was from XXXX and they also told me that that was from XXXX and I dont owe them anything I dont know what they are talking about the lawyer secretary said I have to prove to them that I dont owe the debt and I told her she has to prove to me that I owe them the debt they said they was going to send something but still have not and still holding my money they said the debt was XXXX and then one time they say XXXX. I dont know what they talking about. I have the time and date of the conversations we spoke. I need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid 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: CA

Complaint narrative:
I purchased a merchant on website scarce.us costed {$420.00} and it supposed to be delivered to my house on XX/XX/2022 by XXXX. But I was not home at that time when they delivered. So I requested to ship once again to my house but it never happen. And couple days later when I tracked the package on XXXX website, it said the package will send back to the shipper. So I did ask their customer service to refund me, and they said they will when they received the package. However, I never receive any refund, so I disputed on the charges my chase credit card account. However, they denied my dispute because they said the sender provided a tracking number and it said it shipped to my address. But it is not true, I never receive any merchant. And now I check the tracking on XXXX again, I can see the sender is filing a claim on this shipment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to dispute an inaccurate account with Equifax several times. The account is US Department of Education XXXX. The account is reporting inaccurate opening date, date last reported, date of last activity, and payment history. Because this information does not match XXXX that means it has not been verified. I have tried to contact the company myself to verify the account. Please delete this account. Please block this account from reappearing as it is inaccurate and unverifiable. Please send me a copy of the updated credit report reflecting the deletion. I have attached a copy of my driver 's license and social security card for identity verification purposes. if you are able to contact someone to verify this account please send me the date you spoke with them, their full name, their e-mail address, the direct telephone number, their mailing address, and their fax number so that I may contact them as well. Please do not send me a generic response stating that the account has been updated or verified. Thanks for your assistance in this matter! P.S. This account is also a duplicate. The account has been transferred and is already reporting correctly on my credit report. 

P.S. This is also a duplicate account. This account was transferred and correctly reporting on my account as another item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MN

Complaint narrative:
Thursday XX/XX/23 I received an email from Chime stating all three of accounts were being closed immediately. My checking, savings and credit accounts. This is after my paycheck ws deposited. I called the number provided and was told they could not help me because it was a decision from XXXX. They also could not provide me with a phone number. I was told they only do email correspondence. So I have been doing that, but no one has been able to provide me with the reason my accounts were closed and now I must wait 30 days to get my money mailed to me in a check form. I also have no way of knowing what my balances are since I can not get into the system. 
The last email I sent was at XXXX XXXX and has gone unanswered. 
I have been banking with Chime for years and only had one other minor hiccup that they fixed immediately. This though is unexcusable. I work for a government agency and my direct deposits come from that so I do not know how something like this can happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have disputed with EXPERIAN the accuracy of the account XXXX XXXXXXXX XXXX XXXX  # XXXX and they continue to report it inaccurately which is a clear violation of the Fair Credit Reporting Act. The law is very clear - any inaccurate and incorrect information must be removed from a consumer 's credit file. XXXX has the removal date as being XX/XX/XXXX ( please see attachment ). EXPERIAN has it as XX/XX/XXXX ( please see attachment ), how can this be? There can only be XXXXne accurate date, not two. The information on a consumer credit file must match across ALL reporting agencies or it must be deleted.

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