vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 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:
MADE MY XXXX PAYMENT ON XX/XX/23. I DID NOT SEE THE PAYMENT ON MY ONLINE STATEMENT AS PROCESSED. I CALLED XXXX ON XX/XX/XXXX  TO ASCERTAIN WHY PAYMENT WAS NOT SHOWING AS CLEARING MY ACCOUNT. I TOLD THE CUSTOMER SERVICE AGENT THAT I WANTED TO MAKE ANOTHER PAYMENT AS I WAS UNSURE AS TO THE STATUS OF THE PREVIOUS CHECK. SHE ASSURED ME THAT IT HAD GONE THROUGH FOR SURE. AS A RESULT I DID NOT MAKE THE PAYMENT AS PLANNED, RELYING ON HER ASSURANCE. THE NEXT XXXX XX/XX/23, I CALLED AGAIN AND WAS TOLD THE PAYMENT HAD NOT GONE THROUGH. BASED ON THE INCORRECT INFORMATION I WAS GIVEN I WAS NOT ABLE TO MAKE ANOTHER PAYMENT WHICH WOULD HAVE BEEN TIMELY. 

I AM COMPLAINING ABOUT XXXXXXXX XXXX XXXXXXXX. MY PAYMENT OF {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
MADE MY XXXX PAYMENT ON XX/XX/23. I DID NOT SEE THE PAYMENT ON MY ONLINE STATEMENT AS PROCESSED. I CALLED XXXX ON XX/XX/XXXX  TO ASCERTAIN WHY PAYMENT WAS NOT SHOWING AS CLEARING MY ACCOUNT. I TOLD THE CUSTOMER SERVICE AGENT THAT I WANTED TO MAKE ANOTHER PAYMENT AS I WAS UNSURE AS TO THE STATUS OF THE PREVIOUS CHECK. SHE ASSURED ME THAT IT HAD GONE THROUGH FOR SURE. AS A RESULT I DID NOT MAKE THE PAYMENT AS PLANNED, RELYING ON HER ASSURANCE. THE NEXT XXXX XX/XX/, I CALLED AGAIN AND WAS TOLD THE PAYMENT HAD NOT GONE THROUGH. BASED ON THE INCORRECT INFORMATION I WAS GIVEN I WAS NOT ABLE TO MAKE ANOTHER PAYMENT WHICH WOULD HAVE BEEN TIMELY. 

I AM COMPLAINING ABOUT XXXXXXXX XXXX XXXXXXXX. MY PAYMENT OF {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: FL

Complaint narrative:
MADE MY XXXX PAYMENT ON XX/XX/. I DID NOT SEE THE PAYMENT ON MY ONLINE STATEMENT AS PROCESSED. I CALLED XXXX ON XX/XX/XXXX  TO ASCERTAIN WHY PAYMENT WAS NOT SHOWING AS CLEARING MY ACCOUNT. I TOLD THE CUSTOMER SERVICE AGENT THAT I WANTED TO MAKE ANOTHER PAYMENT AS I WAS UNSURE AS TO THE STATUS OF THE PREVIOUS CHECK. SHE ASSURED ME THAT IT HAD GONE THROUGH FOR SURE. AS A RESULT I DID NOT MAKE THE PAYMENT AS PLANNED, RELYING ON HER ASSURANCE. THE NEXT XXXX XX/XX/, I CALLED AGAIN AND WAS TOLD THE PAYMENT HAD NOT GONE THROUGH. BASED ON THE INCORRECT INFORMATION I WAS GIVEN I WAS NOT ABLE TO MAKE ANOTHER PAYMENT WHICH WOULD HAVE BEEN TIMELY. 

I AM COMPLAINING ABOUT XXXXXXXX XXXX XXXXXXXX. MY PAYMENT OF {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Transfer to " XXXX XXXX. ", XX/XX/23, {$50.00} via the business Chime. 
Chime apparently sent the money to some XXXX XXXX XXXX ' that had a Chime account, and NOT to the only " XXXX XXXX '' in my contacts, XXXX XXXX, resident of XXXX, XXXX. ( Note the ". '' in Chime 's recipient name. This may be significant. ) Chime app said that it contacts intended recipient, for recipient to give banking # XXXX, if they are not already a Chime account. 
First solution offered via Chime was to contact " XXXX XXXX. '' via the original transaction, and ask, whoever or whatever " XXXX XXXX. '' is, to please return funds erroneously sent to them. I did so. More than a week and no response. 
I filed XXXX disputes with Chime about the original transaction. I explained that " XXXX XXXX '' received XXXX contact or funds via Chime, and that " XXXX XXXX. ", whom Chime sent funds, was not " XXXX XXXX '', or, more fully, " XXXX XXXX '' that existed as the only " XXXX '' in my contacts. I explained that Chime never asked nor confirmed by asking about confirming phone or email or banking contact that they had the correct " XXXX XXXX. '' Chime " denied '' both disputes within a few hours with no explanation. 
I, perhaps foolishly, assumed, that as I had only XXXX " XXXX XXXX '' ( spelled out, " XXXX XXXX '' ) in my contacts, that that was to whom Chime was sending the {$50.00}. 
XXXX a fraudulent scheme where accounts are created with common first name and XXXX versions with first letter of last name : XXXX XXXX XXXX ', XXXX XXXX. ', XXXX XXXX ', etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
For 2nd time please update my personal info. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My information was breached by equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For XXXX, the following personal information is incorrect Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This inquiry was not authorized : XXXX XXXX Date of inquiry : XX/XX/XXXX For XXXX, the following inquiries were not authorized : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date XXXX inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX For Transunion : XXXX. The following personal information is incorrect : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For XXXX, the following personal information is incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This inquiry was not authorized : XXXX XXXX Date of inquiry : XX/XX/XXXX For Experian, the following inquiries were not authorized : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX For XXXX : XXXX. The following personal information is incorrect : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
EQUIFAX Confirmation # XXXX ACCOUNT # XXXX DISPUTED account aslo was never in collections, please remove collections. 

The credit law that addresses the verification of accounts and requires documentation falls under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. This section of the FCRA deals with the procedures in case of disputed accuracy. Here are the key aspects of this law : Consumer 's Dispute : If a consumer disputes the accuracy of any information in their credit report, the consumer reporting agency ( CRA ) must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Verification of Information : During the reinvestigation, the CRA must review and consider all relevant information submitted by the consumer concerning the dispute. 

Documentation Requirement : The CRA must verify the accuracy of the information by checking with the original creditor or other reliable sources. This means the CRA may need to request documentation or other forms of evidence from the creditor that originally provided the information. 

Results of XXXX : If, after the reinvestigation, an item is found to be inaccurate or can not be verified, the CRA must promptly delete that information from the consumer 's credit file. 

I am writing to file a formal complaint regarding inaccuracies in my credit report, which I believe constitute a violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681, Sections 602 A and 604 A ( 2 ).

As stipulated in 15 U.S.C. 1681, Section 602 A, I have the right to privacy in the handling of my credit information. Additionally, under Section 604 A ( 2 ) of the same code, a consumer reporting agency is not permitted to furnish any account information without my explicit written instructions. 

Despite these legal protections, I have discovered unauthorized entries on my credit report, indicating a failure by the credit reporting agencies to adhere to these critical aspects of the FCRA. Specifically, these agencies have furnished information about accounts for which I have not given any written authorization, thus infringing on my right to privacy. 

I respectfully request the CFPB to investigate this matter, ensuring adherence to the stipulated legal provisions. I seek a resolution where the unverified and unauthorized information is removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Trans Union is reporting inaccurate information on my consumer report. 

FCRA Violation 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I contacted the company by telephone on XX/XX/2023 to inform them of my new mailing address and that I required a new card to replace my expired XXXX. I was told that my account would be updated, my new card would be mailed and that this would be initiated without any issues. 
On XX/XX/2023 when I attempted to activate and use my new XXXX, I was unable to do so. When I then contacted Destiny MasterCard/Concora credit, I was told that there was a security block placed on my card due to suspicious activity. When I inquired as to what this activity was, I was informed that it was the change of address that I had requested ( the only such change I had ever requested or listed on my history in approximately XXXX years ). Subsequent to XXXX phone calls and conversations with no less than XXXX different XXXX credit representatives, I was told that there was no solution available that would lift the block on my card short of my mailing in a paper copy of my drivers license ( also disregarding my " electronic communication '' account preferences ). Despite my requests to speak to XXXX different account managers and my insisting that my license would reflect my prior mailing address, my offer to email in the license instead and my telling the representatives of my need to access my card, there was no solution offered to me aside from long telephone holds. 
I this closed my account out of sheer frustration and disgust with these business practices. Credit card companies are known for their predatory behavior, but this company goes far beyond what I've experienced in terms of total disregard for customer service and desire for expediency in any realm aside from collecting capital from its customers. 
I don't know whether anything can be done with this complaint, but I hope that it brings some degree of awareness to someone with the ability to hold Concord credit accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I had set up a payment plan for about XXXX with Harris and Harris online in XX/XX/XXXX as per their statement/letter dated XX/XX/XXXXXXXX  and on XX/XX/XXXXXXXX  they withdrew the entire amount from my checking account in the amount of {$580.00} causing my account to go negative. When I called on XX/XX/XXXX, they said a manager would call me back and today is the XXXX and I have heard nothing. I advised them that I want a confirmation of the payment plan online and they said they did not have that and they could not refund it. This is completely unacceptable that when I set up a payment plan and also called on that day to confirm it was set up and they withdraw the entire amount. I want them to refund this immediately and adhere to the original payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: CA

Complaint narrative:
I am writing to bring to your attention a persistent issue I have encountered with the credit reporting Agency 's XXXX, XXXX, and Experian. 

Despite my efforts, a numerous amount of incorrect address continues to be listed on my credit report, negatively impacting my financial standing. I have contacted the credit bureau multiple times to address this matter, but unfortunately, the incorrect addresses remain unchanged. 

I have attached documentation supporting my attempts to rectify this issue, including correspondence with the credit bureau and proof of my correct address. I understand the importance of accurate credit reporting and the impact it has on one 's financial profile. I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate the removal of the inaccurate address from my credit report. I appreciate your attention to this matter and thank you in advance for your assistance in resolving this issue promptly. If you require any additional information, please do not hesitate to contact me.

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For Equifax, the following personal information is incorrect Current Address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX This inquiry was not authorized : XXXX XXXX Date of inquiry : XX/XX/XXXX For XXXX, the following inquiries were not authorized : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date XXXX inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX : XXXX. The following personal information is incorrect : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
SDCCU said that XXXX XXXX is managed by a company working for the San Diego County Credit Union. XXXX has frozen my XXXX XXXX XXXX  account with my creditors listed and I can not access account numbers, addresses, and amounts due ; therefore, my payments aren't being paid and going to collections -- due to XXXX unwilling to give me my own list of XXXX XXXX accounts. I'm being held liable for the debts that I can not have access to due this unnecessary and irresponsible actions by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: FL

Complaint narrative:
Well I requested Experian remove my child support off my credit report because it is not a loan or a revoling line of credit and XXXX has already removed it but Experian will not and the info is incorrect also my data was breached from XXXX and all the hard inquiries are not authorized and with my data being stolen I ask for Experian to delete the incorrect information immediately off my 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 2023-12-16 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: PA

Complaint narrative:
I am writing this letter to request the following information on my file be deleted. I sent a letter to XXXX on XX/XX/2023, asking them to reinvestigate my accounts and ensure everything was complete and accurate. I received my updated credit report and noticed they didn't modify or update anything according to 15 USC 1681i ( 5 ). This doesn't make sense because I know the information is incorrect. I'm trying to purchase a home for my family, and the credit bureaus are hindering me. Can you please look into this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing this letter to request the following information on my file be deleted. I sent a letter to XXXX on XX/XX/2023, asking them to reinvestigate my accounts and ensure everything was complete and accurate. I received my updated credit report and noticed they didn't modify or update anything according to 15 USC 1681i ( 5 ). This doesn't make sense because I know the information is incorrect. I'm trying to purchase a home for my family, and the credit bureaus are hindering me. Can you please look into this?

Company response to consumer: Closed with explanation