vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-17 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/XXXX I call the bank to tell them to stop the transaction cause someone hack my account and where buying stuff online different state they XXXX dollars that I didn't do those purchases. They told they could not stop the transaction to send the paperwork and while they investigate they will credit my account .it 's been 56 days they denied my case four time I call every day to check the status. Everyday it's a different story they don't explain what's gong on I keep telling them that I need my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2023 my XXXX account got hacked and the hackers took XXXX from my Chime account. I since then got a new chime card. I filed 6 disputes and 3 rebuttals and still chime still says no error found. I call and call and nothing happens I keep getting denied. I filed 2 police reports and still they have denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: GA

Complaint narrative:
On XX/XX/23 I submitted an alert removal form to Experian to remove addresses and names that I do not recognize and that are not mine. I gave them all the required documentation including government-issued ID and current bank statements as requested. 

Experian only added my current address and failed to remove the inaccurate information being furnished on my account. 

I sent another notice letting them know that the information was inaccurate still, and I further sent along proof from the furnisher of the inaccurate information that the address was indeed inaccurate. To which Experian requested I submit even more documentation. 

I provided the documents which included Copy Of Gov. issued ID displaying correct name and current address, current bank statement, full name including middle initial ( and generation - XXXX, XXXX, XXXX, XXXX ), Social Security number, Date of birth, complete addresses for the past two years, and a copy of the letter they sent requesting these specific details and documents. 

Experian only updated my current name but didn't remove the inaccurate names and still have not removed the inaccurate addresses. Experian said I must send in identity verification documents along with all the information and documents listed above. 

I submitted a third dispute further providing all the documentation and information listed above along with the requested identity verification documentation and letting them know that the inaccurate information is still being furnished. 

Experian has now requested that I submit all the same information along with an identity theft report stating that I submit an identity theft report along with a police report. 

Experian is continuing to delay the removal of inaccurate information from my consumer report and they are being willfully noncompliant and are not following proper compliance procedures to ensure the accuracy of my consumer report.

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was online goin though my consumer report as I was handling all my responsibilities and I noticed that I had some accounts that's on my report that is reporting incorrect and by the reporting agencies reporting this information it is hurting my ability to obtain credit and respectful move on from this situation The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system

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 2023-09-17 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: CT

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 2023-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have a documentation supporting my lost funds with navy federal credit Union they still havent been disbursed going on over a whole 1 year now this is unacceptable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These companies are being reported as hard inquires on my credit report, and I do not recognize, nor have I given consent to any of them to pull my report. According to the consumer laws for my protection the following companies must provide documented proof with my signature on it stating that I authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then TransUnion, XXXX, and XXXX must remove these inquiries from my credit reports. 
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

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These companies are being reported as hard inquires on my credit report, and I do not recognize, nor have I given consent to any of them to pull my report. According to the consumer laws for my protection the following companies must provide documented proof with my signature on it stating that I authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then XXXX, XXXX, and Equifax must remove these inquiries from my credit reports. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I disputed my XXXX XXXX credit account for incorrect info and XXXX deleted it off my report I just wanted it correct not deleted

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was online goin though my consumer report as I was handling all my responsibilities and I noticed that I had some accounts that's on my report that is reporting incorrect and by the reporting agencies reporting this information it is hurting my ability to obtain credit and respectful move on from this situation The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was online goin though my consumer report as I was handling all my responsibilities and I noticed that I had some accounts that's on my report that is reporting incorrect and by the reporting agencies reporting this information it is hurting my ability to obtain credit and respectful move on from this situation The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
They keep telling me these accounts have been verified true but they havent provided a wet signature or any contractual agreements this is defamation yo my character and is causing a lot of financial problems like trying to buy a home and I cant because of inaccuracies

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 2023-09-17 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: MO

Complaint narrative:
They keep telling me these accounts have been verified true but they havent provided a wet signature or any contractual agreements this is defamation yo my character and is causing a lot of financial problems like trying to buy a home and I cant because of inaccuracies

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 2023-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
After my previous complaint American Express decreased my credit limit. They said they do a " periodic review '' of customers credit report to make the determination. I have been a member for 15 years, and have not missed any payments. I pay the account on time or before the due date. 

I checked my credit report and there is nothing on there that is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not receive the credit " boost '' as promised after downloading the app and instead got unsolicited offers. I still haven't received the credit boost as promised.

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 2023-09-17 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: DISCOVER BANK
State: MO

Complaint narrative:
Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : XXXX. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 
XXXX. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies. 
XXXX. Do not sell or transfer this debt to any other third party. 
XXXX. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Your immediate attention to this matter is expected and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BROKER SOLUTIONS, INC.
State: FL

Complaint narrative:
I received an email where credit karma notifies my credit was checked by a mortgage lender ( New American Funding ) on XX/XX/2023. It provides a housing profile with a zipcode XXXX. I don't recognize this transaction, since I didnt look into mortgages.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
1. I have no way to contact the customer service for this account. 2. I have no way to access my statements. 3. I hav
e no way to access due dates for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Collection Agencies, Inc.
State: IL

Complaint narrative:
I have XXXX XXXX  that would have covered my medical so these charges are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
I made an international transfer using moneygram company on XXXX of XXXX and expected date ( on their service websote ) was XXXX of XXXX and now its XXXX of XXXX and i didnt get my money ( i made transfer to myself using my creditcard ). 

everytine i call ( international call from XXXX to XXXX no. costs alot of euros ) and only hear : " sorry, we are investigating '' I need this money for apartment rent here in XXXX where i live and work and moneygram issues is not my issue and they dont even call, just sending mail saying sorry, still investigating. 


Details about moneygram transfer : - reference no. for tansaction tracking used by moneygram : XXXX - Sender and receiver fullname : XXXX XXXX XXXX XXXX- my bank account IBAN : XXXX - escalation/investigation case no. : Case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I wrote this company stating my problems with the company multiple of times and they continue to not pay attention to my problems with the consumer report. They continue to report inquiries and transactions without my consent time and time again. Law 15 USC 1681b states the company have to have permissable purpose to report my information. I haven't given no written consent to report such information. Please remove such information off my report 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 explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Debois, Inc.
State: OH

Complaint narrative:
The vehicle had been disabled and was parked at XXXX XXXX with security permision and fiance ' is employed at same hospital. XXXX XXXX Police contacted the lender and not the title holder, which breakes the chain of custody. On the very next day i contacted XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX. I claimed the car as the title holder and made arrangements to pick up the vehicle but it was XXXX XXXX weekend. XXXX XXXX Called the XXXX again, the lien holder DBS Finanial at XXXX XXXX # XXXX XXXX, Ohio XXXX XXXX. I was current on my payments so i was charged for the tow = {$600.00}. I modified the loan to take the next 2 payments on the end of the loan which would have the next payment due XX/XX/2023. 
The account reflects a different address. There is to be a notice of auction sent with 10 days for the debtor to respond, the car was auctioned before. 
Now the lender has a court order claiming i surrendered the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion is reporting inaccurate information on my credit report. They have continued to publish a wrong addresss on my file for years. They ignore letter and disregard my attempts to resolve matter

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX and had my identity stolen on vacation in XXXX XXXX on XX/XX/XXXX. The criminals stole my XXXX, XXXX watch, two XXXX XXXX credit cards, and my ID. I was passed out believed they slipped something in my drink and woke up with everything gone. I have submitted a police report and found the criminals information online via XXXX. Overall i am having problems with wells fargo reimbursing all of my money back. They gave me back about XXXX of the XXXX that was stolen. I have two transactions with them on the same day of the incident saying XXXX from my savings for {$1000.00} and another of {$2500.00} on my credit card. XXXX XXXX is saying that they were authorized from a secure device that I authorized and will not reimburse me for these transactions. I have been dealing with this since the incident. It is now XX/XX/2023 and i have been denied three times with this claim. I have provided a police report saying that the phone was stolen and it was still denied. I feel like they just keep running me around the block and its literally been over 100 days dealing with this. This is starting to affect my credit report now and I am exhausted dealing with this constantly on my days off and i work XXXX a week. Can you please help me resolve this it has been going on to long.

Company response to consumer: Closed with non-monetary relief