vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-21 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: CT

Complaint narrative:
Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX. Equifax XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CRAs I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report, XXXX report And XXXX The following inquiries are unauthorized, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXXXXXX XXXX on XXXX XXXX recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from 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 I dont recognize these lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I recently reviewed a copy of my XXXX credit report and I noticed a late payment posted on my credit report from : Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX Acct XXXX XXXX XXXX XXXX ( XX/XX/2023 ) Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 USC 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: MI

Complaint narrative:
Dear everyone XXXX XXXX XXXX Inaccurate late payments XXXX. XXXX other XXXX these are closed accounts so they cant change them. XXXX XXXX has 90 & 60days & XXXX XXXX XXXX was reopened thats a violation. I want too see original documentation from these accounts in XXXX, I circle all these inaccurate things on these reports. Need fixed or deleted many inaccurate items i circled also asked about the bank statements could provide they say & i just want these accounts deleted now cause i contacted XXXX no response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: OH

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
I had a problem paying my car payment on the Chime app. and I wasnt able to do so. I called a number that said it was Chime. The person answered said welcome to Chime and gave me instructions to send money to the manager and he would update my account. However he used the words my manager will update you account. I didnt realize what was happening, what I was actually doing. I sent the update to a chime Id. I called back and they kept hanging up on me when I requested my money. I then went back to the internet. I saw that the number I called was from a sponsor and it said chime but it wasnt Chime. I called Chime they said I couldnt file a dispute because I authorized the transaction. Later I called Chime again. They allowed me to put the dispute through and denied my dispute. Chime would not allow me to report this transaction to the Chime fraud department. This was fraud. Someone posed as a chime employee tricked me out of my money. I looked for the fraudulent number on the Internet again and it was no where to be found. The number was gone as was the sponsers name. Also the only number thats showing on the Internet is the correct number for Chime everything else has disappeared! I would like help with this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: OH

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-21 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: Early Warning Services, LLC
State: DE

Complaint narrative:
I have rights to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without your permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
I moved locations ( XX/XX/XXXX ) and was in another city away from the gym. I called to close account and they said I could close it with no closing costs because my new moving mileage was outside of the gym location. About a year later on XX/XX/XXXX, was contacted by a third party that I owed debt because collection had been placed. I was never notified of ANY debt owed from company and asked the company on XX/XX/XXXX to send email or mail with details and received nothing. I got a notice on XX/XX/XXXX that they place collection on my credit report. Living roommate texted manager of facility directly on XX/XX/XXXX about the inquiry with XXXX response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I read an article highlighting that the interest rate on my Capital One savings account is significantly lower than newer accounts at Capital One. I currently am receiving only .30 % APR while newer accounts with Capital One are earning over 4 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
I purchased a {$250.00} gift card for my wife on XX/XX/2023 at a local XXXX. When my wife went to use the card on XX/XX/XXXX, she was advised that the card carried a XXXX balance. She went on the web site and found that the card balance was dumped on XX/XX/2023 at a XXXX XXXX. She was in possession of the card in it's original packaging, unopened. I immediately contacted the company Vanilla Gift cards to dispute the fact that we had a XXXX balance. I provided them with all pertinent information and a dispute form as well. I was advised that I would hear from their " team '' concerning my dispute. To date, I have not received any communication from the company. I have called 4 times, and written numerous e-mails, but have received any information about my refund. 
Today, after almost 60 days, I was advised that I needed to provide them with a copy of the card and a receipt. I do not have the receipt anymore and sent them a copy of the card. Their Customer Service is almost non-existent and their communication as well fails in every aspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion credit bureau will not allow access to my credit report. I log in to my Transunion account. I then follow the prompts and instructions on the Transunion website to view my credit report. At this point a message appears that says they are not able to fulfill my request. This has happened numerous times over the last 2 years. When it first happened I contacted Transunion by telephone and was told by a representative that I must first send to Transunion, by mail, among other things, copies of my social security card, and drivers license. I responded that I would never send this type of sensitive information via mail. I was told that I must or Transunion would not be able to verify my identity. The information that I am able to view is largely incorrect. Transunion reports a credit history that dates back to only XX/XX/XXXX. 

I filed a dispute with Transunion and on XX/XX/XXXX received a reply that my dispute results are available. I logged in to my Transunion account. I am still denied access to my credit report and my original dispute was not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 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: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
My credit card money was used by a hacker in XX/XX/year>. I immediately called the bank to report it. The bank informed me that it would take two billing cycles. It's almost the end of XXXX, and I haven't received the refund. They are also charging me a late payment fee. Despite calling them XXXX times, their response remains the same. This delay is affecting my credit score and more. The unauthorized charges were {$1900.00}, {$11.00}, and {$11.00} on XX/XX/year>. I reported them immediately. I can't afford to pay this much money.

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 2024-01-21 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I have a repo that I wanted to remove from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
The account was opened fraudulently and I can not get the company to close the account. They have no phone number listed anywhere on the Internet to contact them. Their site says download their app and you can chat with them. Well I dont know the account number to be able to log into the account to chat with them. The company is called XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XXXX, Capital one reported an account ( XXXX ) as Charge off / Collections onto my consumer profile without my written consent which is a violation of the Fair Credit Reporting Act title 15 U.S.C. 1681a .... REMEDY OF REMOVAL IS WHAT IM AFTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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:
I was looking at my report and notice that were some things that was not correct. I sent a letter to Equifax on XX/XX/2024 here is my tracking number XXXX. It has been more than 30 days since the credit bureaus have not responded. That is a violation 15 USC 1681i ( a ) ( 1 ) ( A ). 

Under 15USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness and accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is dipsuted by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 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: FIRST MERCHANTS CORPORATION
State: IN

Complaint narrative:
I checked my account and for some reason I was being charged for something I have no clue of what it is nor what/where its for/from. I think its some type of made up site. This never happened to me before and It happened when I went in to the bank to retrieve a money order. It happened later on that night around XXXX and I had cash for the money order so it didnt make sense that my account ended up being charged. My account is now in the negative and it shouldnt be I reported it when my account said {$42.00} and some change had been charged and I was told theyd fix it upon it stops pending but my account continues to go deeper into the negative for some reason. Even after me locking my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: CA

Complaint narrative:
I reached out on multiple times and days to give them my ftc identity theft numbers and tell them to investigate the account open under my name without my knowledge and they refused to do anything said they should not help me I reached out many times I requested a copy of the original contract and I never received it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: VA

Complaint narrative:
My loans were forgiven under XXXX in XX/XX/2023. Mohela still reports the full amount on my credit report though they report {$0.00} balance due, and XXXX also shows a {$0.00} balance. I tried disputing it through the credit bureaus but they have continued to report the full balance as outstanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
This has to do with banking policy regarding beneficiaries. We are old and having beneficiaries on our accounts is very important to us. This bank as well as all the other banks we have gone to will not show us the beneficiaries on our online app. We have to come into each bank in person to view the beneficiaries or change them. 
We asked the branch manager at Huntington Bank about it and were told that basically this is the way it is. I can mention other banks that have given us the same answer but you only wanted one. The date was XX/XX/2024. No amounts were involved of course since we just wanted to add the two beneficiaries. 

An other financial institution such as XXXX ( not a bank ) allowed us to view and change our beneficiaries online. I hear that XXXX  bank allows customers to to view and change their beneficiaries but we deal with banks that have a physical presence in our area.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
My information was stolen and used. Fraudulent to conduct fraudulent transactions using my mobile device and debit cards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: IL

Complaint narrative:
XX/XX/2023 and XXXX XXXX amount due tripled. Service company posted wrong amount owed and failed to send reminder of payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation