vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
on XXXX a letter was sent to equifax disputing some incorrect personal that is currently reporting on my report. I have yet to receive any correspondence letting me know that my request was even processed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
First of all. They closed my account when i reported the unauthorized transactions. They added funds to account that was closed and i was unable to use the provisional credit. Then they sent the closure check to the wrong address and claim it was cashed. I was never given any provisional credit and how is there no error when i caught the person that did those transactions and also got a confession from them and turns out they are also a chime member. I did the investigation for Chime handed them the evidence and still they say theres no error. I spoke to the merchants where those transactions took place and asked them if anyone asked about these transactions in question and all of them said i was the only one that had inquire about them. ALL I WANT IS MY CLOSURE CHECK AND BE RIDDEN OF CHIME. THEY CLAIM TO SEND A CHECK BUT THEY SENT IT TO THE WRONG ADDRESS. I ALREADY SUBMITTED A POLICE REPORT TO THEM REGARDING THE CHECK. CHIME ARE LIARS, THIEVES, AND SHOULD NOT BE ALLOWED TO DO BUSINESS THEY AUTO DENY CLAIMS JUST LIKE XXXX XXXX XXXXXXXX DID. THEY DONT ACTUALLY CONDUCT AN INVESTIGATION!!! I HAVE THE EVIDENCE THAT PROVES IT!! ALL MY SAVINGS WAS STOLEN AND I CAUGHT THE PERSON THAT DID IT AND THEY CONFESSED AND CHIME SAYS THERES NO ERROR.!! IF THE CFPB CONDUCTS AN INVESTIGATION ON CHIME THEY WILL SEE ALL THE LAWS THEY ARE BREAKING!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent in financial history from XXXX XXXX that proves they are not reporting accurate payment history, late payments, and balance. Credit reporting agencies are not considering documents submitted by me or conducting an independent investigation for XXXX XXXX XXXX XXXX that is as required.

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 2023-12-02 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 was a victim of identity thief as well as a victim of the Equifax data breach. My personal information was compromised and misused. There are accounts collections and inquires that are on my report and XXXX and Equifax will not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/23 I opened a business checking account with Bank of America. I signed up with a {$200.00} promotion that required me to bring my account within 30 days. On XX/XX/23 I brought my account to {$5000.00}. I was required to keep my account at $ XXXX until day XXXX. My account is still above {$5000.00} and has never dipped below this amount. 

The promotion was for {$200.00} for meeting these terms. The terms stated : Bank of America is offering a {$200.00} bonus when you open a new business checking account and complete the following requirements : Make Qualifying Deposits of {$5000.00} or more in new money* within 30 days of opening the new business checking account Maintain an average balance of {$5000.00} for next 60 days ( day XXXX ) during the maintenance period This is the promotion I signed up for : https : XXXX I signed up online for this promotion. 

I did live chat and followed up. The chat representative said that there was not a promotion attached to my account despite applying online. She said she would be back in touch but I have nor heard back from her. 

I would appreciate the bonus being paid as per the terms.

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 monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've been the victim of Identity theft and these adverse actions reporting on my consumer credit report is preventing me from pursuing life, liberty and happiness. I'm unable to purchase a home for me and my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've been the victim of Identity theft and these adverse actions reporting on my consumer credit report is preventing me from pursuing life, liberty and happiness. I'm unable to purchase a home for me and my children.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This been a on going matter, I ask for a investigation that I never received, I also been reaching out to this company to resolve the issue and still have not received a response account XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I put a freeze on my credit report from transunion in XXXX and I was informed just yesterday from an apartment i was interested in renting that it is still allowing my credit to be viewed. The information is wrong on transunion and they have not made any attempts to fix it. My score is XXXX on both XXXX and XXXX who have deleted items that were not mine or inaccurate. Yet TransUnion still has those accounts and a low score of XXXX that they seem to disclose to everyone even after I have put two freezes on there. I also need the number to be added to their lawsuit because this is the second time they have stopped me from getting a place.

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 2023-12-02 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: NC

Complaint narrative:
I have disputed the XXXXXXXX XXXX XXXXXXXX XXXX accounts and they still remain on my credit report. No documentation has been provided to me with my signature on it to verify these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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 have disputed the XXXXXXXX XXXX XXXXXXXX XXXX accounts and they still remain on my credit report. No documentation has been provided to me with my signature on it to verify these 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 2023-12-02 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: NC

Complaint narrative:
Nothing happened to the following account below : I requested that they update the OWE amount to -0- and they left it blank. This is the exact same report prior to the complaint. They refuse to acknowledge that this account is paid in FULL and has a XXXX balance. 

I sent a letter showing them that this account was paid in full but after the investigation they simply added incorrect information RECENT PAYMENT OF {$370.00}. Total false! 

XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$370.00} as of XX/XX/XXXX Monthly payment - Original balance {$1000.00} Highest balance {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: NC

Complaint narrative:
Nothing happened to the following account below : I requested that they update the OWE amount to XXXX and they left it blank. This is the exact same report prior to the complaint. They refuse to acknowledge that this account is paid in XXXX and has a XXXX balance. 

I sent a letter showing them that this account was paid in full but after the investigation they simply added incorrect information RECENT PAYMENT OF {$370.00}. Total false! 

XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$370.00} as of XX/XX/XXXX Monthly payment - Original balance {$1000.00} Highest balance {$1100.00}

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 2023-12-02 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo refused to resolve my dispute with the vendor, this vendor had overcharged me XXXX in the past for dental work and Wells Fargo disputed the charge and return my money, however I was recently charged more than what I signed for on the receipt and this time Wells Fargo has sided with the vendor even though Wells Fargo have my receipts. 
The credit card statement shows that more money was charged than what was noted on the receipt. The charge was XXXX on XXXX, but the credit card statement shows XXXX which is a difference of XXXX  Also on XXXX for another dental procedure at the same office I was charged XXXX but the statement say XXXX a difference of XXXX. 
Thanks for your help.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
on XX/XX/23 a letter was sent to equifax to dispute and verify some accounts that i know are not mine. They have yet to even process my request and respond to my dispute. These things on my credit are hurting me financially and causing stress in my household.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
This is a follow up to a prior complaintXXXX. Ally sent me a letter resolving to issue me a refund for un-used services. The letter further instructed me to call them to facilitate issuance of payment, but every time I call, it's like running into a brick wall. No one knows what to do. I've been transferred so many times my head swings but I've not been able to make a bonafide plan for getting the refund they promised.CFPB closed the case because of the favorable response but it seems as though we've both been mislead.

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 monetary relief
Consumer complaint received 2023-12-02 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:
On XX/XX/XXXX, I sent my FTC report. Along with my license to XXXX, XXXX, and TransUnion. I have fraudulent accounts reporting in my consumer report. I will be filing a civil lawsuit. These accounts are fraudulent and I followed the process to notify the above reporting agencies about the dispute.

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 2023-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: WA

Complaint narrative:
Loancares parent company XXXX had a cybersecurity breach sometime in XXXX. Loancare then shutdown everything their whole system - phones, email and website so we had XXXX form of communication. Weve still have received no information from them after over a week. We are unable to make payments, but they are sending us late notices. They have sent an email stating they were back up and running and to go make payments. However, the website still doesnt load we get a XXXX error each time we try to access it. Phone lines go nowhere. This is extremely unprofessional. They stated no late fees due to this however they ARE giving late fees. This company is looking out for its own interests and not working with us consumers at all. We do not know what of our personal information has been affected because they wont tell us.

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 2023-12-02 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:
Nothing happened to the following account below : I requested that they update the OWE amount to XXXX and they left it blank. This is the exact same report prior to the complaint. They refuse to acknowledge that this account is paid in FULL and has a XXXX balance. 

I sent a letter showing them that this account was paid in full but after the investigation they simply added incorrect information RECENT PAYMENT OF {$370.00}. Total false! 

XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$370.00} as of XX/XX/XXXX Monthly payment - Original balance {$1000.00} Highest balance {$1100.00}

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 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX of 2023 I had my account closed due to fraud transactions and a breach from XXXX that leaked my personal information which required me to close my account on more than 2 occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
there are 2 hard inquires in my XXXX credit report were NOT from me. One is from TD Bank USA/Target inquired on XX/XX/2023. The 2nd one is from XXXX XXXX XXXX XXXX XXXX ), I need these two hard inquires to be removed from my credit report and also I want to make sure the two places ( Target card and XXXX card XXXX do not issue the store cards out in my name. Someone must have stolen my personal information and trying to open store cards to do shopping!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc.
State: TX

Complaint narrative:
I have not had service with XXXX XXXXXXXX XXXX, I sold that home in XX/XX/2022 and have not been there since. This move was in fact reported to XXXX  XXXX, power company, utilities, as well as the XXXX. 

This debt should immediately be removed. 

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