vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-03 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: GA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$9100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/XXXX my business bank acct was locked and was scheduled to close within that week. I have called over 20 times and have the evidence to prove it. I have yet to receive our XXXX dollars that is still in the account. The account is still open and I have asked for it to be 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 2022-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In my last communication with EXPERIAN they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an ID Theft Report and an affidavit of truth. My next step will be a civil suit.

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 2022-09-03 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: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: IL

Complaint narrative:
XXXX I am a natural person and on XXXX XXXX I mailed an identity theft report, through certified mail to Experian. I included a copy of my driver 's license, social security card, and a utility bill to as well. I am a victim of aggravated identity theft. According to XXXX XXXX XXXX ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
Experian, failed to block and remove all the accounts on the FTC Identity Theft Report I sent them. My XXXX consumer/credit report is still reporting XXXX.. Please see attached FTC Identity Theft Report. 
On XX/XX/2022, I sent Experian a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous XXXX XXXX  and financial hardship. XXXX is also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing this alleged account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act, Experian has violated my rights. 

15 U.S Code 1681 Section 602 states I have the right to privacy 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-03 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: AZ

Complaint narrative:
I have filed one complaint already about XXXX XXXX XXXX ( XXXX ) and the fact the the mortgage was paid off. Once again, XXXX has put the loan amount back on my credit which has since lowered my credit score again!!! XXXX needs to remove the paid mortgage off of my credit with Experian because they are showing the mortgage has an open balance!!!

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 2022-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: AL

Complaint narrative:
On XX/XX/2022, I received an email marketing from Credit Karma regarding having excellent odds in applying for a XXXX XXXXXXXX XXXX XXXX. I submitted an application which had a caveat that depending on the outcome of the card despite being advertised as having excellent odds of approval, they would guarantee {$50.00} to deposit into an open Credit Karma checking account, which I have. I submitted the application and was denied the credit card. I received an email on XX/XX/2022 confirming that based on being denied, I would receive the {$50.00} deposit soon as a result of the denial into the open credit karma checking account that I have. This was false advertisement regarding the approval odds which led me to apply for the credit report. As a result of being denied, this was an unnecessary inquiry on my credit report which will reduce my credit rating. I have had numerous similar offers of excellent/great approval odds with negative/adverse results/ causing unnecessary inquires. My credit scores through XXXX, XXXX, and XXXX are all in the XXXX 's on the actual agency reports. However, XXXX XXXX shows my scores for XXXX and XXXX as high XXXX XXXX 's, almost 100-150 point difference, which is the score that is being pulled by the credit card company/financial lenders within the Credit Karma profile. For example, I was denied the XXXX XXXX Credit Card due to my XXXX XXXX reflecting as XXXX ; however, on XXXX 's website, my credit score is XXXX. This is an absolutely egregious difference and can be the difference between me being approved for a mortgage with having a XXXX credit score if pulled through credit karma, which shows almost XXXX points less. This also causes higher interest for certain lending products with using such a low score, if the official credit agency reflects my score to actually be in a Fair range. 

The FTC has just fined Credit Karma this week, {$3.00} million for deceptive pre-approval claims. These deceptive pre-approvals have damaged my credit karma rating which has removed my ability to be approved for actual credit cards, as well as personal loan options as lenders are pulling the much lower score through credit karma. Also credit karma has the same " pre-approval '' for personal loans for which they only use the same lenders. When sending an email to review loan products, just by logging in, will automatically send an application to the lenders, as I have only been reviewing lender " pre-approval '' options, and have began to receive denial letters when I never applied for the specific lender, only just logged into my credit karma profile and the applications were automatically be submitted just after logon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
My credit card had expired and I called to ask to have a new card issued to me. The representative informed me my account had been permanently closed. When I asked why, I was told it was because they had issued a new card and it had been returned so they permanently closed the account. I had let them know that the address they had on the account had the wrong town and zipcode listed when I reviewed it in their app but I had updated it to the correct address and asked for them to please reissue the replacement card to the correct address. I was told they could not do that and i would need to reapply. I asked if they could transfer the balance and assign me a new account number and issue a new card and was told again that they can not do that and i will need to reapply. I've had balances transfered and new accounts issued in the past without an issues. I do not miss payments and am never late on my payments. This account was closed due to an error on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: TX

Complaint narrative:
To Whom It May Concern : I received a copy of my ( Transunion ) credit report, and noticed some INACCURATE late payments that need to be deleted. They are as follows : List Name of accounts with late payments with their account numbers. 

XXXX XXXX XXXX Before we move forward, the term accurate pursuant to the Fair Credit Reporting Act ( FCRA ) is defined as a measure of value. For something to be considered inaccurate it has to be something that is not of value to me, and that is determined by I, the consumer. 
These late payments that are a defamation of my character are therefore INACCURATE and your company is in violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681.

Pursuant to 15 USC 1681a - Definitions ; rules of construction, but more specifically 15 USC 1681a ( 2 ) ( A ) ( i ), THE LAW CLEARLY STATES : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any Clearly, exclusion means something that is not supposed to be included. The law states that ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report transactions or experiences between the consumer and the person making the report are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine, therefore the information must be excluded and I demand these late payments be deleted immediately. 
Also, I have a simple question you shouldnt have a problem answering : Did I give you written instructions to furnish this information related to me on my consumer report?

Additionally, 15 USC 1681b ( 2 ) - permissible purposes 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.

I have sustained defamation of my character as a result of this information and am demanding you to delete the above late payments from my consumer report, because this agency is in violation of the FCRA or 15 USC 1681. 
Best regards, 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 non-monetary relief
Consumer complaint received 2022-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, Chime placed my account on hold and sent me an email with instructions regarding how to steps necessary to unlock the account. 

On XX/XX/XXXX, after gathering the requested documents, I replied to the email from the email address on my account. I followed the directions exactly as directed. Chime never responded to this email. 

Over the course of a year, I sent multiple emails which Chime left unanswered. 

On XX/XX/XXXX, I reached out to Chime from my secondary email address. Chime was very responsive and worked to verify my identity with the address. Then Chime proceeded to request the same documentation needed to unlock my account. I replied with the information requested on the same date. Chime stopped responding again. 

On XX/XX/XXXX, I requested an update again. I received a reply stating Chime would provide an update within 2 - 3 business days. 

As off XX/XX/XXXX Chime has not provided the promised update, and my account remains on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: NC

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back. 

I want the items I disputed in my letters to be removed off my credit ASAP. I am trying to buy a house soon and need the bureaus to respond. Please help me out.

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 2022-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Phishing occurred : impersonating Chase bank heres the text- from XXXX ( XXXX ) XXXX on XXXX XXXX @ XXXX XXXX to me @ + ( XXXX ) XXXX CHASE BANK XXXX : We detected an unusual attempt at XXXX XXXX XXXX, NJ XXXX. If this was not you, use the secured link to verify your identity and secure your account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: Financial Data Systems
State: NC

Complaint narrative:
This is not a duplicate complaint. I am making this complaint because XXXX would not let me upload this dispute because it was a duplicate which is not true. 

The account type that is reported by the furnisher ( Financial Data Systems ) is being reporters incorrectly and inaccurately. 

The Account Type is supposed to be listed as " medical debt ''. 

The glossary of entry codes written by XXXX does not list " collection '' as an account type therefore this credit file is inaccurate.. 

this furnisher has been notified of this numerous times and still continues to maliciously and illegally reporting data incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CARD Corporation
State: CA

Complaint narrative:
My account is with ( Card.com ) I had 3 charges on my account from XXXX So I called card.com there was 3 different charges to XXXX they said no worries will credit your account and if we find that there was They would take it back.. well i never got the credit the closed the case with out Asking first..they areva bunch of XXXX  there total ( XXXX ) ( XXXX ) ( XXXX ) My name is XXXX XXXX Ive dent the papers back they wanted me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03 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: NV

Complaint narrative:
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-09-03 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:
I have been having issues with this and the improper reporting of this account. This has caused a great amount of hardship on me because I have been ignored and if they would just do the investigation they would realize this to be the case. 

In accordance with the Fair Credit Reporting Act everything must be accurate and under 15 US Code 1681 this account is in violation because its not being reported accurately. 

I even have sent multiple verification requests to the company and have not received the items I asked for. 

I as the consumer would like to know all the steps the agency took to insure these items were 100 % accurate along with the method of verification. Thanks

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 2022-09-03 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:
I have been having issues with this and the improper reporting of this account. This has caused a great amount of hardship on me because I have been ignored and if they would just do the investigation they would realize this to be the case. 
In accordance with the Fair Credit Reporting Act everything must be accurate and under 15 US Code 1681 this account is in violation because its not being reported accurately. 

I even have sent multiple verification requests to the company and have not received the items I asked for. 

I as the consumer would like to know all the steps the agency took to insure these items were 100 % accurate along with the method of verification. Thanks

Company response to consumer: Closed with explanation