vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Tilt Finance, Inc.
State: GA

Complaint narrative:
Hello, I tried signing up for services with Empower Instant Cash Advance using my smartphone. After several attempts I received another email from Empower on XX/XX/XXXX  informing me that they were unable to connect my bank account and that I would need to fix my account. Well since I was unable to connect my bank account as they put it, I then informed them that I would not be utilizing their service since my bank account could not be connected to their service and I requested the refund of {$8.00} that they deducted from my same bank account on XX/XX/XXXX  which they said they were unable to connect. I sent them an email on XX/XX/XXXX  requesting a refund of {$16.00} because they deducted another {$8.00} from my bank account on XX/XX/XXXX  and they never refunded me the {$8.00} they took from my account on XX/XX/. I did not receive a response from Empower regarding the emails I sent. I sent another follow up email on XX/XX/2023 regarding the {$16.00} that was deducted from my bank account. Then on XX/XX/2023 I sent another email because they had deducted another {$8.00} from my account on XX/XX/2023 which is now a total of {$24.00} they have taken from me. So today when I was talking to a representative at my bank because I was going over some transactions on my account, she informed me that there were 3 more transactions on my account for {$8.00} each from Empower for XX/XX/XXXX  ; XX/XX/ ; and XX/XX/. Now the total amount that Empower has deducted from my bank account is now at {$48.00}. These are unauthorized transactions. Empower has not responded to my emails and they have not refunded any of my money that they deducted from my bank account. I've attached a copy of the emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22 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:
Theres a military star account on my report that is fraudulent request that it be removed sent in a police report and a identity theft report equifax has not removed the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MN

Complaint narrative:
XXXX created an account in my name and sent me a direct deposit form. I never opened an account with them. They had my real name and email address. The last XXXX digits of the phone number that was used to open the account is not mine and the address is in the same state as me but address is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Uplift, Inc
State: NJ

Complaint narrative:
This company make a big mistake with my credit report they said I have missed payments! But, its no true! Only thing I did was delay payment for a couple days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: CT

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX Closed accounts : XXXX  # XXXX XXXX # XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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

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.

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 2023-11-22 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: CT

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : 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 THIS IDENTITY THEFT ACCOUNT ASAP!!!

I will never stop filing complaints against you because I know my rights!

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

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

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.

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 2023-11-22 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: NC

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 2023-11-22 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: AL

Complaint narrative:
Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had collections and inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: NY

Complaint narrative:
On Experian " PAYMENT STATUS '' is inaccurate as it is showing 30 days late. 
In general, the Credit Bureaus are reporting XXXX late payments in my Credit Report, one on XX/XX/XXXX and another one on XXXX, XXXX, that are not accurate as I was never late.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Submitted a dispute to experian explaining that theres a fraudulent XXXX XXXX on my credit profile disputed the information 5 or 6 times and experian still havent removed the public record

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 2023-11-22 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: LEXISNEXIS
State: AL

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 2023-11-22 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 express my serious concern regarding the unresolved dispute I submitted to Experian on XX/XX/2023, XX/XX/2023 and then again on XX/XX/2023 AND also through this portal XX/XX/2023. 

I provided a detailed dispute letter, requesting the removal of inaccurate addresses from my credit report. Despite the XXXX window specified by the Fair Credit Reporting Act ( FCRA ) for investigating and addressing disputes, I have not received any communication or resolution from Experian for any of the requests, merely a dispute results can not be viewed online through the website and the inaccurate addresses remain on my report. 

My dispute letter submitted XXXX XXXX previously included essential information, such as my name, current address, the disputed addresses, and an explanation of the inaccuracies I identified. The FCRA, which governs credit reporting agencies like Experian, stipulates in Section 611 ( a ) ( 1 ) ( A ) that upon receiving a dispute, the credit reporting agency must conduct a reasonable reinvestigation to determine the accuracy of the disputed information. Additionally, Section 611 ( a ) ( 8 ) of the FCRA mandates that consumers are entitled to a response within 30 days after the agency receives the dispute. I kindly request that you promptly investigate the inaccuracies and address this matter as required by law. 

The other CRAs are not reporting these addresses! Experian says data furnishers are providing the information- which they have yet to show what methods they used to get this info and from who. 

I also request that Experian remove the disputed addresses from my credit report ASAP as this has already been MONTHS. Failure to do so would not only be a violation of the FCRA but also severely impact my financial standing. Inaccurate Address : XXXX XXXX XXXX XXXXXXXX, NJ XXXX Inaccurate Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX have relied on the accuracy of my credit report for various financial and personal transactions, and this error has caused undue distress and concern.

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 2023-11-22 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: MS

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 XXXXXXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2023-11-22 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: MS

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 XXXXXXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2023-11-22 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:
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 BANK XXXX Account XXXX has violated my rights. Or a 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 2023-11-22 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: NY

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.

has violated my rights. Or a 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 2023-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Ive disputed this bill since I got the first bill and asked them several times to rebill with XXXX XXXX XXXXXXXX XXXX and then XXXX XXXX XXXX XXXX. I have disputed it since I established my XXXX XXXX in XXXX. I no longer get mail from this company but Ive disputed on XXXX XXXX every 2 months since XXXX I last disputed this account in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CO

Complaint narrative:
Girlfriend and Grandparents debit cards were linked to my account ( with their permission ). Chime saw it as suspicious activity and they closed/locked my checking account even though Ive sent all documents theyve requested showing that the activity was authorized. Ive been trying to retrieve my money for almost 3 weeks and they keep asking for the same documents and continue telling me they cant resolve the issue. I have no access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: NM

Complaint narrative:
My debit card expired on XX/XX/XXXX of this year. I contacted Direct Express customer service on the XXXX of XXXX. At this time I was informed that a card had been mailed on the XXXX of XXXX. On XX/XX/XXXX, still without a card, I contacted customer service once again. During this call I was issued a second card. On the XXXX of XXXX I contacted customer service yet again. This time wanting to transfer fund to an account I am actually able to access. I was told this can not be done without a card and that the replacement card for the one that expired on the XXXX of XXXX technically isn't late yet as it hasn't been XXXX business days since it was order. 
So, through no fault on my part, I have been unable to access any funds in my Direct Express for the past 22 days and all the customer service people could do for me was to tell me that my replacement card isn't late yet because it hasn't been XXXX business days. 

How is this acceptable? Why is it that Direct Express is allowed to continue to work with the federal government when they have such disregard for the people that are their customers?

Company response to consumer: Closed with monetary relief