vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MN

Complaint narrative:
Chime closed my account after I had put in a dispute for atm freezing up and going outta service but still charged me for the transaction when I didnt receive any money from the atm I was told that my account was closed and I wouldnt be getting my refund for the atm transaction they wouldnt give me a clear explanation of why they closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
A vehicle lease was opened fraudulently in my name, I contacted XXXX first and they verified the account as accurate and told me to contact the furnisher. I made a complaint to the consumer financial protection bureau about XXXX and contacted Gm financial directly. I sent them a letter of validation as required by the financial credit reporting act requesting all the documents with my signature and matching identifiable characteristics. Please note : I never received what I asked them for, instead they sent me a fraud packet to fill out and a list of identity documents to submit which included. Birth certificate, copy of social security card, drivers license, passport, phone bill, police report. This dispute has been going on for over 1 year and a half with no corrective measures taken. This XXXX I received a letter from Gm Financial stating that their records indicate a credit application was submitted fraudulently in my name by XXXX XXXX and is invalid due to identity theft. This letter also stated that the account will be removed within 30-45 days. I have since contacted Gm financial being that 45 day period expired to inquire about the account remaining on my report and they denied having any knowledge of any letter that was sent to me regarding the removal of this fraudulent account. Below I have attached the actual letter and envelope it came in, please take note of the dates on both.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Anything that is showing up on my 3 bureau credit reporting company and any other data reporting company that take our info. I'm a person that has never had credit cause always denied and I always wonder why ... After 3 months of figuring out how credit company 's work and data company work and XXXX and XXXX and XXXX them sites work... I found out why I could never get credit and always had to operated using cash .... I've never had a car finance or a house because credit stayed messed up .... But how can my credit be messed up if I haven't ever had credit to mess up, I kept asking myself that question .... And end up coming across 9 merchants that has been fraudulent accessing history without my authorization .... Have tried disputing them thru XXXX but not getting help .... I just want my life that's been stolen for years now back and any funds taking from any trust to be recouped back and resourced back to the to rightful control in party in matter .... Companys like JPMCB I see why they trying to steal people info .... The news show them being bankrupt so now they try to hold others innocent ones down by messing up there name .... And I'm tired of wasting my life fixing somein I didn't have any place in doing .... I been a victim I this since birth when us state representatives change my birth certificate 18 days after born without authorization from the owner or his parents .... I have all my proof as well the same proof that bout to be submitted to OIG and supreme Court and secret services to present ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear sir or maam The credit beruaes are in continuous disrespect of the laws. I have showed them several times how they are violating the Fair Credit Reporting Act. 

In according to 15 USC 1681B ( 1 ) do not have written permission.

According to 15 UsC 1681I ( 5 ) THE CREDIT BEREAUS HAVE TO MIDIFY OR DELETE ACCOUNTS THAT ARE NOT REPORTING ACCURATELY.

ACCORDING TO 15USC 1681 I have the right to privacy According to 15 USC 1681s-2 a person shall not furnishany information related to the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) reporting information after notice and confirmation of errors ( XXXX  ) a person shall not furnish information related to a consumer to any consumer reporting agency if ( XXXX ) The person has been notified by the consumer at the address specified by the consumer for such notices, that specific information is inaccurate and the information is in fact inaccurate. 

I can continue to go on and on and someone needs to hold them accountable for this. 

I have sent documentaion and I continue to receive generated responses and no follow. This has caused me great distress.

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX. XXXX ' Acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX. XXXX ' Acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act, " XXXX XXXX XXXX '' Acct # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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.

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

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX  has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. In XXXX of XXXX, a XXXX XXXX collection account was opened under my name without my knowledge or consent and was used and left a {$4600.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

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 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Following court ordered Mediation for their failure to submit a legal response nor defense, Capital One has ignored NYPD Complaint Report Number:XXXX XXXX XXXX XXXX XXXX : # XXXX , continuing to hold deposits into the OPEN bank account # XXXX as recently as XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have reached out to the company several times. I have asked to update the credit bureaus several. They have lied saying they sent screen shots of their accounts to the credit bureaus prior to when they report to credit bureaus. I paid the account off in full on XX/XX/XXXX. They have reported to all 3 of the credit bureaus 3 times that the account is 60days late on the XX/XX/1926 & XXXX. I have gotten hit hard on my credit reports by them intentionally reporting inaccurate information. I have filed a dispute with all 3 credit bureaus & the company won't respond to them. I need this to fix asap. I have documents showing I paid it off as well conversations we have had.

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have reached out to the company several times. I have asked to update the credit bureaus several. They have lied saying they sent screen shots of their accounts to the credit bureaus prior to when they report to credit bureaus. I paid the account off in full on XX/XX/XXXX. They have reported to all 3 of the credit bureaus 3 times that the account is 60days late on the XX/XX/1926 & XXXX. I have gotten hit hard on my credit reports by them intentionally reporting inaccurate information. I have filed a dispute with all 3 credit bureaus & the company won't respond to them. I need this to fix asap. I have documents showing I paid it off as well conversations we have had.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have reached out to the company several times. I have asked to update the credit bureaus several. They have lied saying they sent screen shots of their accounts to the credit bureaus prior to when they report to credit bureaus. I paid the account off in full on XX/XX/XXXX. They have reported to all 3 of the credit bureaus 3 times that the account is 60days late on the XX/XX/1926 & XXXX. I have gotten hit hard on my credit reports by them intentionally reporting inaccurate information. I have filed a dispute with all 3 credit bureaus & the company won't respond to them. I need this to fix asap. I have documents showing I paid it off as well conversations we have had.

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear sir or maam The credit beruaes are in continuous disrespect of the laws. I have showed them several times how they are violating the Fair Credit Reporting Act. 

In according to 15 USC 1681B ( 1 ) do not have written permission.

According to 15 UsC 1681I ( 5 ) THE CREDIT BEREAUS HAVE TO MIDIFY OR DELETE ACCOUNTS THAT ARE NOT REPORTING ACCURATELY.

ACCORDING TO 15USC 1681 I have the right to privacy According to 15 USC 1681s-2 a person shall not furnishany information related to the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) reporting information after notice and confirmation of errors ( XXXX  ) a person shall not furnish information related to a consumer to any consumer reporting agency if ( XXXX ) The person has been notified by the consumer at the address specified by the consumer for such notices, that specific information is inaccurate and the information is in fact inaccurate. 

I can continue to go on and on and someone needs to hold them accountable for this. 

I have sent documentaion and I continue to receive generated responses and no follow. This has caused me great distress.

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear sir or maam The credit beruaes are in continuous disrespect of the laws. I have showed them several times how they are violating the Fair Credit Reporting Act. 

In according to 15 USC 1681B ( 1 ) do not have written permission.

According to 15 UsC 1681I ( 5 ) THE CREDIT BEREAUS HAVE TO MIDIFY OR DELETE ACCOUNTS THAT ARE NOT REPORTING ACCURATELY.

ACCORDING TO 15USC 1681 I have the right to privacy According to 15 USC 1681s-2 a person shall not furnishany information related to the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) reporting information after notice and confirmation of errors ( XXXX ) a person shall not furnish information related to a consumer to any consumer reporting agency if ( XXXX ) The person has been notified by the consumer at the address specified by the consumer for such notices, that specific information is inaccurate and the information is in fact inaccurate. 

I can continue to go on and on and someone needs to hold them accountable for this. 

I have sent documentaion and I continue to receive generated responses and no follow. This has caused me great distress.

Company response to consumer: Closed with explanation