vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 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: CA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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: CA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: NJ

Complaint narrative:
Equifax is reporting a bankruptcy on my credit report and I've disputed it many times with them. Each time they come back and tell me its verified through either the Bankruptcy court or XXXX. However, pursuit to the FCRA, this is inaccurate reporting. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I called Experian today to update my personal information. I asked the representative to remove an address that is not mine and does not belong to me. He responded and told me that he could not remove that address even though it is not mine nor does it belong to me. I told him that the address was not valid, not deliverable by US Post Office and therefore leaves me susceptible to identity theft. It is also not reportable per the FCRA, since it is inaccurate. He then informed me that I would need to call every creditor on my credit report and update my address in order to have it removed. He was advised I would be reaching out to your agency due to my right under FCRA being violated and he told me I needed to read the FCRA again. I have the whole conversation recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: MD

Complaint narrative:
THESE INQUIRES WERE NOT MADE BY ME AND I HAVE SENT THEN SIGNFICANT AMOUNT OF PAPER WORK AND THEY REFUSE TO DELETE THESE ACCOUNTS. 


Hard Inquires Listed : 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 XXXX XXXX XXXX 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
Consumer complaint received 2023-05-13 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: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I have a dispute about the balance, I am requesting the full accounting and statement of accounts according to UCC 9-210. Also, I need a copy of the retail installment contract that bear my signature.

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 2023-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: MO

Complaint narrative:
I took out a XXXX title loan in XX/XX/XXXX. I paid XXXX a month for 3 years. I became XXXX and didn't make any more payments. I never received a default letter from the company but they sent a letter last month insisting I still owe almost XXXX. On XXXX, XX/XX/XXXX, I went the store and they drug my car out of my parking spot. I called the police to file a stolen vehicle report, not knowing it was titlemax. My purse and all my ID was in the car, cash, a disabilty check, my medical info. all in the car. I have XXXX  XXXX XXXX  XXXX XXXX and will be missing my treatments and they have my phone. They never called me or came to my house to try to tell me they were going to repo my car. I'm beyond devasted and don't know what do.They left me stranded at the store and I can't walk very far. I did get a ride. I need help because I need to go to XXXX and can't afford to buy a car. They got so much money out of me and now my life is being played with. If anyone can help me, I would greatly apperciate it. I know I never should have dealt with them in the first place but I was desperate. I am on disabilty and my life depends on my car. They said they are going to auction it off XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XXXX of XXXX, I closed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However,, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX still reported me as 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. After repeated phone calls, I was sent a check in XX/XX/XXXX in the amount of {$63.00}. 

Attached you will see a snapshot of how it looks on my credit report. My payments to XXXX XXXX and the deposit to my bank. 

Experian is negatively affecting my credit by reporting erroneous information of 30 and 60 days late. XXXX XXXX XXXX XXXX XXXX never accurately reported my account as closed.

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 2023-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Loan Acct XXXX Loan denied after appraisal was completed, Client relations claims file was e-mailed to new lenders. New lenders never received the file. Closing was delayed a week due to negligence of Rocket mortgage team.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: LA

Complaint narrative:
I opened my Chime account in XX/XX/XXXX because I was interested in their credit builder feature along with the advertised high yield savings account. I have a savings, checking, and credit builder account with Chime. I receive approximately XXXX of my direct deposited check in my Chimes Checking account weekly and usually transfer some of this check into my Chimes savings, and a portion to sent to my external XXXX checking account. On Monday, XX/XX/XXXX I attempted to log into my Chime account but was unable to log in. Instead there was a message that read that I should contact Chime via email to verify my identity due to unusual activity on my account. I went to my email and there was an email from XXXX requesting that I send in a copy of a government issued ID and a utility bill to verify my address. I promptly sent these things in. Then I received another email from XXXX requesting that I send in a copy of a government issued ID and a completed W-9 form. I initially responded to the email requesting to speak to someone who could explain why a W-9 was required but when I didnt hear back, I sent in a picture of my Louisiana Drivers license and a completed W-9. Then I received another email from Chime requesting that I resend the same information again and I did. The next email requested that I send in a picture of a different government issued ID so I sent in a picture of my passport, and the response was that that was sufficient to open my account either. I emailed with them back and forth and sent documents on each day between XXXX and XXXX. I also called the Chime Customer service number listed on some of the emails and XXXX XXXX. Each time I spoke with someone who gave me a generic response and was told it was another department that handled verification of identities. I was never connected to anyone who could explain what was wrong with the documents I submitted. 
On XX/XX/XXXX, my suspicion increased and I started googling Chime complaints and realized several customers had experienced the same sort of thing. I had never had a serious problem with Chime before this. I used their credit builder feature for a short period of time, but I didnt like how it showed up on my credit report so I stopped using it. I also had a debit card that didnt seem to work but I didnt really need to use their debit card since my sole purpose was saving money on this account. 
Im very distressed about this situation because the last time I checked my balance was approximately {$25000.00} and I need to gain access to my money. I have very expensive financial obligations that I might not be able to meet if I cant regain access to my money soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A towing company fraudulently charged my debit card on XX/XX/XXXX for {$310.00}. I immediately reported the transaction to Chase Fraud Department the next day and after several hours, Chase agreed to Refund my money. They said they would call me if they had anymore questions for me or if they needed to update my claim status. However, over 3 weeks later on XX/XX/XXXX, Chase took and reverse {$310.00} claim from my savings account. I called them right away. Chase made no attempt to notify me of losing access to these funds, and I even faced linguistic discrimination based on how I speak English : one representative demanded I use a translator. 

They claim that " because the thief used my card in-person, there was nothing that they would do to refund me my money. '' This violates Chase 's promise of zero fraud liability and it violates federal protections of consumers. 

The recourse I need is to have the {$310.00} returned to my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: PA

Complaint narrative:
this is a defamation to my character I am trying to buy a car i see multiple hard inquiries and a credit card with elan i never opened

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 2023-05-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Card was charged without my knowledge and consent and was not reimbursed.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a XXXX 100 % Service-Connected XXXX XXXX Veteran, and California resident, that has become extremely frustrated at not being able to obtain my ( 3 ) credit reports and FICO scores since XX/XX/2023. 

Attempts to call XXXX has taken endless hours of being transferred to a XXXX call center and as of today, XX/XX/2023 I still do not have access to my files. I have been transferred around the globe when speaking with XXXX and can not even speak with an executive in the USA. 

I am met with the same frustrations with Equifax and XXXX and I am tired of the long call times, outsourcing of my credit files to other countries and not being able to review my credit reports and FICO scores. 

The runaround is clearly elder abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I never lived at below address listed and have name misspelled twice on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: OH

Complaint narrative:
In XXXX of XXXX, I closed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However,, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX still reported me as 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. After repeated phone calls, I was sent a check in XX/XX/XXXX in the amount of {$63.00}. 

Attached you will see a snapshot of how it looks on my credit report. My payments to XXXX XXXX and the deposit to my bank. 

XXXX is negatively affecting my credit by reporting erroneous information of 30 and 60 days late. XXXX XXXX XXXX XXXX XXXX never accurately reported my account as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Location Specialists
State: SC

Complaint narrative:
A person left a voicemail after I did not answer phone. I was threatened with a case number. I have no idea who this person or company is. After a few minutes the same person left a voicemail with the same message to my daughter and son in law. I do not even have my son in laws number. The number that called us is XXXX.

Company response to consumer: Closed with explanation