vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 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 2023-10-13 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: FL

Complaint narrative:
To Whom It May Concern : I am writing to dispute inaccurate information on my XXXX credit report. This report shows an outstanding debt owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that does not belong to me listed by XXXX XXXX. This debt has been inaccurately reported in the past. I have disputed this before and it was subsequently removed from my credit report. However, it has now reappeared. This account does not belong to me and I request that you immediately delete it from my credit report. I Please investigate this matter and make the necessary corrections as soon as possible. Under the Fair Credit Reporting Act, I am entitled to a response within 30 days of receipt of this letter. Please send me written confirmation that this erroneous debt has been permanently deleted from my credit file.

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 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2023-10-13 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 2023-10-13 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-10-13 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: NE

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an email on XXXX XXXX XXXX  from AMEX, that I perceive as an attempt at extortion ( asking for money in return for avoiding an adverse action -credit limit reduction ). Please see following, relevant paragraph from email : What this means As a responsible lender, were always monitoring our Card Members accounts. Based on what we know about your payment history and current debt with American Express, as well as your credit scores and other credit bureau information, your account is being reviewed for a possible credit limit reduction. 

What you can do Make a payment towards your balance to maintain your current limit - we wont take the action stated above if you make a payment of {$950.00} within three days of receiving this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: VA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX Account XXXX ) had 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 1792 ) prohibits collectors from various unfair practices, such as failing to validate the debt obligation, threatening litigation or other legal action, collecting on or reporting to credit on a debt you don't owe, harassing you, and engaging in fraudulent behavior.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 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I am paying XXXX XXXX  interest on this card and they keep on raising my limit ( without my permission ) in order to cover the additional finance charges. My debt is a bit over $ XXXX and I pay over $ XXXXmonth in order to try and pay off this card. I have been a good customer for many years and so I thought that I would surely qualify for a rate reduction. I called and asked and was told that their current policy is to not grant rate reductions. I asked where I could appeal this decision and was told that their current policy is to not allow appeals. 

I dont understand how a company can not allow an appeal to a decision make by somebody who works in a call center. Further, I can not continue to pay over $ XXXXmonth for very much longer. Im on a fixed income and with prices going up and my social security actually decreasing ( because of the increase in XXXX premiums ) Im terribly afraid that this card is going to max out soon based solely on the interest and I dont want to default. 

My question is, under the current laws, do I really have no recourse to appeal this decision?

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: PA

Complaint narrative:
On XX/XX/2023 I mailed an Identity Thief Report stating I have been a victim of Identity Thief. They reply back as if I was filing a dispute and did not fellow the rules that apply when reporting Identiy Thief. And did basically nothing about 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 non-monetary relief
Consumer complaint received 2023-10-13 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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-10-13 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: NC

Complaint narrative:
Hello, I'm a startup small business XXXX who paid my car payment through the XXXX website on XX/XX/XXXX from my XXXX account and it posted on XX/XX/XXXX triggering a late mark and ding to my credit. 30 days late is the XXXX. 

I asked XXXX to remove this but they refused saying it wasn't an error and to contact the credit bureaus. The bureaus came back agreeing with XXXX. 

I just spoke with XXXX again asking them to remove it and they still insist it is correct. The representative I spoke with, told me that their website displays when the payment will be posted. This is not true! If I knew this payment would have been late, I would have called in and made the payment over the phone to avoid a XXXX point hit to my credit. 

>Screenshot of my XXXX transaction attached : I appreciate your help with this matter! 

Regards, 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 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XXXX XXXX, Chime without Notice nor Explanation stole over {$36000.00} from my Savings account and closed my Account, I immediately contacted them, they continue to give me and my wife the run around via email and phone. 
I tried explaining to them that I linked a XXXX card to my Chime Account so that I could have access to my account, until my permanent Debit and Credit Builder Card arrives, I'm a tXXXX XXXX and only card I have is the XXXX card I just activated same day ( XX/XX/23 ). They claim, I went against there Direct Deposit Agreement olicy Agreement, because I moved all my money to my Savings, I moved my Money because I didn't want unauthorized merchants or people gaining access to my Chime Account. 
I've given Chime everything but a XXXX XXXX XXXX XXXX  to prove I'm XXXX XXXX, as well XXXX XXXXXXXX Bank Statements and my Boss XXXX XXXX ( XXXX XXXX ) to Verify Wages, Deposits and Employment. Yes I'm reporting theft of my Money, because Locked me out of Access to my Chime Account, and other people Complain Chime has done this to them, As a resolution, I want chime to Refund all of my Money with in 14 days. And I promise to XXXX to never do business with there Financial Establishment again. This has caused confusion in my home and a burden on me, I have Rent, Bills, XXXX children I'm paying Child support for, I've Used Chime over XXXX years, for them to press a button and Wipe all I saved is Wrong Proof I'm the owner of XXXX XXXX  card picture submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
MOHELA has mischaracterized my XXXX consolidated Direct loan as XXXX separate loans : XXXX XXXX  Consolidation Unsubsidized XX/XX/XXXX {$1400.00} ' and XXXX DL Consolidation Subsidized XX/XX/XXXX {$14000.00} ' This is entirely incorrect. They were consolidated into XXXX loan ( it was a 'consolidation ' of XXXX loans! ) XXXX XXXX XXXX ( subsidized ) loan. I have *never* had an unsubsidized loan of any sort : I had XXXX XXXX and XXXX XXXX, so there is no way that after MOHELA 's XXXX I should now have XXXX separate loans, XXXX unsubsidized. This mischaracterization only appeared in the last couple months and was not at all present when I consolidated the loans in XXXX or the intervening months. I have contacted MOHELA numerous times about this matter, including in writing, and they refuse to address their egregious error or respond specifically to me about it. 

I am attaching the screenshot of how the loans appear and a copy of my ( successful ) application for consolidation from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I went to XXXX XXXX XXXX XXXX XXXX XXXX at around XXXX on XXXX  for dinner, the bill was about XXXX dollars, then I left about XXXX dollars as the tips, so the amount of money I paid should be about XXXX dollars. I used an American Express gift card, which had XXXX dollars in total inside of it. And today the representative from American Express said I was charged more than XXXX dollars by the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXhat means that restaurant charged me XXXX dollars instead of XXXX dollars as the tips. And the representative from American express said the XXXX XXXX XXXX XXXX XXXX XXXX confirmed that transaction was totally right. But it doesn't make sense at all. First, I would not use the gift card with only XXXX dollars to pay a more than XXXX dollars bill. Secondly, I would not choose to give XXXX dollars as tips if the dinner fee was only XXXX dollars. 

I was not be able to check the balance of that gift card from more than 2 month ago, so I called the number on the back, and a representative from American express said I was charge XXXX dollars more, the bank was investigating that, and I could check the balance one week later. But two month later, another representative told me the transaction was right, more than XXXX dollars was paid to XXXX XXXX XXXX XXXX XXXX XXXX 

The bank didn't even talk to me to ask what happened, and ignored that the XXXX dollars tips for the XXXX dollars dinner fee would not happen at all. I need them to fix this issue and active my gift card again, as I supposed to have some balance inside, but it can not be used anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: TX

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts XXXXXXXX XXXX XXXX # XXXX and 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 2023-10-13 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: NE

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2023-10-13 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: NE

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

Company response to consumer: Closed with non-monetary relief