vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 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: NV

Complaint narrative:
In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights. 

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. 

FCRA S 605B ( 15 U.S.C S 1681 c-2 ) Identity Theft Consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt.

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 7 years.

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 2023-07-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I financed a XXXX XXXX through Credit Acceptance XX/XX/XXXX for {$26000.00}. The vehicle was unfortunately totaled XX/XX/XXXX. After the insurance company made an insurance payment of {$10000.00}, Finance Charge Rebate of {$10000.00}, XXXX cancellation of {$2000.00} and a few payments made by me, Credit Acceptance made a settlement of {$800.00} in lieu the balance due of {$4300.00} XXXX. 
I have found out that I have been denied credit due to the balance still reporting as " outstanding '' on my credit reports. I am a business owner, and I was trying to obtain business loan financing which require a check of my personal credit. I was told on more than one occasion that this outstanding negative debt was the reason I was denied even with a 700+ credit score. 
I was denied a $ XXXX loan at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX $ XXXX Equipment leasing loan $ XXXXXXXX I contacted Credit Acceptance on XX/XX/XXXX and spoke to a regular customer service representative and their supervisor. I advised them of the error that was reporting and that I was being denied credit due to their error. I was told they would mail me a credit dispute form that I would have to mail back to Credit Acceptance so that they could research the issue. This process is now 2 months in.

I called today and spoke to a rep who advised me that they did receive my dispute letter, and it has been resolved. I asked for the resolution info, and she said it was not available. This is where my frustration sets in with them. It is a long-drawn-out process that is costing me time and money. Not to mention the opening of my new location has been delayed because of this. I also provided them with THREE letters that they sent to me which says that I have settled the balance in full but yet they are still reporting to the credit bureaus that my balance is outstanding. I mailed those 3 letters back to them as proof that THEY know that I don't owe them anything. But still, they continue to report a balance on my credit reports. This has cost me a lot of money. I researched Credit Acceptance and what they are doing to me has happened to others and even worse. I need help with this resolution to these unfair credit reporting practices, please.

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 2023-07-11 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: FL

Complaint narrative:
The accounts below are being reported as open collection, past due, etc. These accounts are in valuation under FCRA compliance. 
This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report to my email. When the above collection is deleted and has been removed.

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 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CT

Complaint narrative:
I am filing a complaint regarding an unresolved issue with a digital bank, specifically Chime Bank however they held the account through The XXXXXXXX XXXX. This account was ending in XXXX. This issue involves the closure of a checking account that took place approximately three years ago ( XXXX of XXXX ), and the subsequent disbursement of remaining funds, which I have yet to receive. 

The last formal communication I received from the bank was dated XX/XX/XXXX. In this email, they informed me that I needed to provide specific documentation to receive my account closure check at a new address. The required documents included a clear photo of an ID, the last 4 digits of a social security number, and proof of the said new address. 

Due to the considerable amount of time that has elapsed, I am unable to provide the exact balance of the account at the time of closure. However, I am confident that it was a substantial enough amount to warrant concern and merit this complaint. 

Despite the time that has passed and my numerous efforts to resolve the issue, I have not received the closure check, nor have I received further communication from the bank 's member services concerning this matter. 

I am seeking the assistance of the Consumer Financial Protection Bureau to facilitate the resolution of this issue, either by helping me receive the closure check or by aiding in obtaining a satisfactory explanation as to why it has not yet been dispatched. 

I am willing and able to provide further information or documentation if required, in accordance with privacy regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this 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 explanation
Consumer complaint received 2023-07-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
On XX/XX/2023 I applied for a XXXX XXXX XXXX XXXX card from XXXX. On XX/XX/2023 I was approved for this card. The offer shows XXXX points with XXXX once a certain dollar amount was spent. Within 45 days I spent the required {$3000.00} with the card and received only XXXX bonus points. I contacted them immediately and they informed me that I did not qualify for the offer I applied for. No notice was given to me until XXXX in the form of a notice through the credit card website. The problem I have is had they notified me that the card was not approved under the terms of the offer I would not have followed through with the charges I applied to this card. I merely would have canceled the card but now that I have that on my credit report I expect them to step up and follow through with the offer that I applied for. I was misled by this offer and I dont believe they ever had any intention of giving me what I applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: GA

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit 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 2023-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: OR

Complaint narrative:
I was a victim of XXXX trading for 8 years! I finally got my life back and all these charges and cards are not my fault or mine at all! 

Discover Bank XXXX Bank XXXX XXXX finance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I tried to open two accounts with Truist Bank online. I funded two new accounts with {$1000.00} and {$7000.00} from my current checking bank account. I received a letter in the mail on Wednesday, XX/XX/2023, that my account needed to be closed due to fraud dated XX/XX/2023. The statement on the letter stated that I could go pick up checks for the funds in my account. 

" 4. If funds are remaining in the accounts, a check may be mailed to the address on file if not collected at the branch within ( 10 ) ten business days. '' I went on Saturday, XX/XX/XXXX, and Monday, XX/XX/XXXX, they refused to issue me a check and stated that my funds would be held until further notice. They mentioned something regarding a written off debt from Suntrust, which Truist aquired. Which I have no idea when that occurred with Suntrust. They stated they would subtract the written off debt from the funds I deposited. 

One, they never mentioned that in the letter and I have not had a Suntrust account for over 15 or 20 years or more.. I don't recall any debts being written off at this point 15 or 20 years or more. My funds came from my current checking account with my current back. I contacted my bank and they stated that Truist never contacted them to confirm if the fund were fraudulent or not. 

Truist was also involved in paying credit card bills, closing accounts, and releasing funds from my uncle XXXX XXXX XXXX 's individual account to XXXX XXXX, the estate XXXX, without having the proper documentations from the XXXX, VA XXXX XXXX. The estate administrator fraudulently used the accounts when it should have been frozen. She closed the accounts and collected funds she knew she was no allowed to without the proper documentations, while leaving the credit card balance in unpaid. Due to not doing their due diligence, Truist is accessory to fraud and embezzlement of estate assets.

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 2023-07-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I applied for a credit card with XXXX XXXX and they indicated a problem with Trans Union report on me. I called Trans union customer service and they said they could not tell me what was wrong, but said if XXXX XXXX asked for more identification it could only be because there was a fraud alert on my report. I said I don't remember a fraud alert on any report. I asked would there be any other reason other than a fraud alert for XXXX XXXX to say there was a problem and he stated no to me and said I would have to look at my report and see. As I suspected there is no fraud alert I could find on my report. Now if I try another company for a credit card it will show that I tried another company and was turned down so again this is starting a snow ball effect of my credibility being tarnished because of Trans Union not reporting correctly or not giving me the reason for me to correct the information so I could get a new credit card. I have a credit rating just under XXXX and I currently have an XXXX XXXX card since 1994 with a {$25000.00} credit limit. There are several stores around here that do not accept XXXX XXXX, that is the only reason I need a new card. I just sold a house and deposited over XXXX figures in the bank ( the house was debt free ) so it is not the money I need, just not using my debit card which is dangerous to my 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