vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was used for an unauthorized inquiry performed by XXXX XXXX XXXX on XX/XX/year>. XXXX XXXX fraudulently opened an account on XX/XX/year> in the amount of {$15000.00}. A vehicle was purchased at XXXX XXXX XXXX in XXXX, NC. I have never been to XXXX, NC. I found out that my information was part of the Equifax data breach. I contacted XXXX XXXX XXXX and they have not provided evidence of how they verified identity. They are unwilling to provide any information. I have contacted XXXX XXXX regarding this account, and they could not provide evidence on their process to verify identity. I have submitted several disputes with all credit bureaus. XXXX XXXX needs to take responsibility for their fraud, and remove the inquiry and the account from my credit report as I am a victim of fraud. I have filed and Identity Theft Report with the with FTC and my local sheriffs office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion Rental Screening Solutions Inc, has violated my consumerrights. They failed to follow FCRA LAWS they claim to abide by. They furnished information on my consumer report without fairness and impartially. They failed to follow the law that clearly states I have a right to give written or oral consent before communication be communicated on my consumer report. This has defamed my character and caused for denial of housing leaving my family homeless for their mishap. Ive been denied for years now XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Causing me to feel discourage to apply anywhere else.

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 2024-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOUTHSTATE BANK CORPORATION
State: OK

Complaint narrative:
I was contacted by an impersonator for a job interview that reached out by email. They were impersonating the company XXXX strategies. They used XXXX that I had all the qualifications they were looking for and asked me to sign a job offer which looked completely legit. I did so and shortly after they asked me to deposit an e-check into my checking account with southstate banking in XXXX XXXX Their reasoning was that they needed me to contact a vender to get technology sent to me for my remote role. The tech needed to be outfitted with certain security features. I thought that was reasonable since the main focus of XXXX strategies is cybersecurity. They sent me a front and back image of a legitimate looking check for {$4900.00}. I deposited the check and once it posted to my bank account they instructed me to send it to $ rhainnon on cashapp which I did. After they accepted it XXXX told me to do the same thing with a larger amount. I did not because my banks fraud prevention team caught it and contacted me. I canceled the pending check and informed the bank, cashapp, the government, and XXXX strategies. XXXX said there wasnt anything they could do, the company XXXX strategies thanked me for reporting it, the gov put a security check on my credit reports and the bank XXXX in XXXX GA charged me for the nearly {$5000.00} dollars. The bank cleaned out my checking and savings account saying it was to cover the bad check. I was told by a friend that I should contact you because the bank isnt allowed to do that since it was a scam. All of this took place during the dates of XX/XX/2024 to XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX is sending me monthly bill statements for a loan that I never co signed for. 
My daughter XXXX XXXX XXXX has XXXX loans through XXXX. She has never had a loan through XXXX and I have Never cosigned any XXXX loans. 

XXXX states that I cosigned a XXXX student loan ( account XXXX ) I want XXXX to provide me with the cosigned loan paperwork. 

My daughter has the following XXXX loans. Which are uptodate. 
XXXX Loan # XXXX for XXXX XXXX XXXX XXXX XXXX cosigner XXXX XXXX XXXX wife. 

XXXX Loan # XXXX for XXXX XXXX XXXX XXXX XXXX cosigner XXXX XXXX XXXX daughter. 

XXXX Loan # XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX daughter. 


Attached please see XXXX XXXX XXXX XXXX XXXX Proof of the XXXX loan statements that my daughter XXXX XXXX has XXXX XXXX XXXX XXXX XXXX XXXX 

I respectfully request that XXXX provide me with the loan paperwork that they think I cosigned. 
XXXX Requesting to remove this loan from my credit reports. 
XXXX Provide me with the proof that is loan is discharged from my name. 

My name 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 2024-06-23 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: MARINER FINANCE, LLC
State: MD

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602a ( 4 ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared, and that right is guaranteed to me pursuant to 15 USC 6801 ( a ) which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Mariner Finance USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Mariner Financial the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Mariner, XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX, XXXX, and XXXX never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear CFPB, Member ID : XXXX Experian is reporting invalidated information on my credit report which is against the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2. Furthermore, despite multiple attempts to resolve this issue directly with Experian, I have not received a satisfactory response. Additionally, Experian has prevented me from disputing items on my credit report, which violates my rights under the FCRA, specifically 15 U.S.C. 1681i. I am aware of my rights stating that it is a violation of federal and Florida state law to report false information on a consumer or to maintain information without the consent of the concerned party. 

Therefore, I am requesting that Experian substantiate the claims made under XXXX XXXX in order to properly verify its accuracy. The following can be substantiated by submitting the following pieces of information : * Proof of the existence of the alleged account and/or contract in the actual name of XXXX XXXX XXXX duly signed by both parties. 
* Proof that the agency listed for the claim ( XXXX  ) is the current holder of the original note of the alleged debt and that it has never been sold to another party. 
* A true certified copy of the actual accounting showing that Affirm incurred a loss on the alleged debt in accordance with Generally Accepted Accounting Principles ( GAAP ) and the Internal Revenue Service. 
* Proof that I, XXXX XXXX, gave consent or permission for Experian to share my private transactions, as required under 15 U.S.C. 1666b. 

Should the claimants or Experian fail to provide credible evidence as prescribed within this document, I, the Agent for XXXX XXXX, request that Experian delete the following accounts from my credit report immediately and forward the results to me at the above-mentioned postal address : XXXX ( XXXX, XXXX, XXXX ) XXXX : XXXX If Experian fails to make any reasonable procedures to resolve this matter and delete aforementioned accounts from my credit file or provides any frivolous responses, Experian will be held criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
I will also follow up with an invoice for said violations ( {$10000.00} ] per violation ). 

Sincerely, XXXX XXXX Agent/Beneficiary

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 2024-06-23 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: IN

Complaint narrative:
I recently got a copy of my credit report and saw a lot of inquiries that I did not authorized. 

I saw inquiries from : XXXX XXXX INQUIRE DATE : XX/XX/year> XXXX XXXX XXXX INQUIRE DATE : XX/XX/year> XXXX XXXX XXXX INQUIRE DATE : XX/XX/year> 2024

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 2024-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/XXXX I had a scam caller fraudulently call from a phone number that came up as associated with Navy Federal, and fraudulently asked me for my personal information including my Navy Federal account numbers and I believe my Social Security number and other information.They use this information to get into my checking account they made me transfer funds into a cash app and then delete it my funds from my checking and savings account with Navy Federal and also withdrew funds from my XXXX XXXX go rewards card with Navy Federal, I went over with Navy Federal and the funds totaled {$1100.00}. I also made a police report with XXXX Police Department case number XXXX XXXX. I have also Frozen all of my accounts with the 3 credit bureaus because they also tried to take out a Personal Loan with Navy Federal in my name which caused an inquiry on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consuming reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( I ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Please remove the following items from my credit report immediately : Inquiries XXXX XX/XX/XXXX Accounts XX/XX/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 2024-06-23 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: 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT SER : # XXXX, XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX : # 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. 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 2024-06-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Arizona XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, I am writing to formally lodge a complaint against Chime for the abrupt and unwarranted closure of my account. The details of the incident are as follows : On XX/XX/2024, while I was interacting with my dog at home, I noticed that my Chime account was inexplicably closed. There was no prior notice, warning, or reasonable explanation provided by Chime for this action. This sudden closure has caused significant inconvenience and financial distress, as I rely on my Chime account for managing my daily expenses and financial transactions. 

I attempted to contact Chime 's customer support to seek clarification and resolution regarding the closure of my account. However, their response was inadequate and did not address the underlying issue or provide a satisfactory explanation for their actions. The closure of my account appears to be arbitrary and without just cause, which raises concerns about the fairness and transparency of Chime 's practices. 

I kindly request the CFPB to investigate this matter thoroughly and ensure that Chime provides a clear and valid reason for the closure of my account. Additionally, I seek assistance in reinstating my account or facilitating the transfer of my funds to an alternative financial institution without further delay. 

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to protect consumers from such arbitrary actions by financial institutions and ensure that my issue is resolved promptly. 

Sincerely, XXXX XXXX ---

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is in regards to complaint # XXXX with Wells Fargo that I reported earlier. Wells Fargo settle the account in the amount of {$3900.00} and still hold me accountable for {$2900.00}. I have asked them to provide all documents of their investigations which they didn't.

I am not willing to pay for something I did not benefit from. THIS IS SO UNFAIR that Wells Fargo still making me pay {$2900.00}.

Please reach out to them and ask for all the proof of their investigations so I can go ahead and start my own investigation.

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 2024-06-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
I visited the Acima Desk at XXXX XXXX XXXX in XXXX, Indiana. Acima offers lease to own services and I was hoping to get a lease for a couch. The employees first name was XXXX. She was purposely deceptive about the terms of the loan. She indicated that as soon as you paid the full cash amount before the lease was over, the lease would automatically end. For example, if the lease was for {$3000.00} And you accepted a 24 month lease at {$350.00} per month, the lease would end after XXXX months of payments. She insisted that there were no fees for leasing, there was no interest, and you only ever paid the cash amount. However, I was looking at the contract she was asking me to sign and the {$3000.00} purchase there was {$5500.00} in interest and a {$50.00} fee. The contract clearly stated that the terms of the lease to own agreement was that I would have to pay {$8500.00} over a 24 month period. XXXX kept insisting that that you only had to pay the cash price of {$3000.00} even though the contract in front of me directly said Id be responsible for {$8500.00}. I repeatedly asked for clarification about the contract and she said oh we just have to have that in there thats not what you actually pay. We went back-and-forth discussing the terms of the lease to own agreement and she repeatedly verbally told me things that were not in the contract. Another example of this is she tried to tell me that the {$8500.00} was if you missed a payment. However, the contract clearly stated that if you make payments on time as its {$8500.00} - if you miss a payment then its more. after discussing for XXXX or XXXX minutes, she finally did tell me that you only get the cash price if you pay off the full amount of the loan within 120 days. This practice is extremely deceitful, especially when she is giving potential customers information that directly contradicts the terms of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Credit Karma account inaccessibility due to loss of email and change of phone number since XX/XX/year>. I have attempted to access my Credit Karma Account to view my credit info, my tax info and my Credit Karma Debit card. I have reached out since XX/XX/year> by email, phone, chat, you name it, still no resolution to gain access to my Credit Karma Account or the Debit card on file. Credit Karma withdraws a dollar from my XXXX XXXX Account each month without fail but can not resolve the issue at hand even though I provided my Name, DOB, Last 4 digits of my Social Security number, my license with photo, and Credit Karma Debit card picture and account number, my new phone number and email address from which I email them all this information along with providing my old email address and phone number to prove and link me to my Credit Karma Account. Credit Karma response? You need to reach out to us via your new email address! Totally unprofessional and unacceptable. I have done so repeatedly! At least 10 separate times! I expressed my dissatisfaction and told them I would address this with the consumer protection. Havent heard from them since. I want access to my Credit Karma Account which has all my personal information. In fact I want to press charges at this point!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: EQUIFAX, INC.
State: OH

Complaint narrative:
my credit was pulled to many times for a car loan at XXXX they cant do that more than once with out my permission 15 u.s.c 1681 section 602 A.states i have the right to privacy also credit karma wants me to pay them money ive never spent other than my own 15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shall not furnish any imformation relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the imformation is inaccurate

Company response to consumer: Closed with explanation