vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 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: KY

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. XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX  : # XXXX, US DEPT ED : # XXXX, XXXX/DOFED : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 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 explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XXXX I tried to sign up for a new checking account at www.chime.com After completing the entire process I received a message telling me that they couldn't create an account and customer service wouldn't be able to help me any further. 

The application process required I provide my social security number, date of birth, mailing address, full name, phone number and email address. 

Following their instructions, I called XXXX and was asked to verify my social security number, date of birth, mailing address, full name, phone number and email address with " SIX '' different representatives. I was told that I needed to email XXXX for additional help. 

I emailed XXXX 6 times and was delivered the same message I originally was given when my account couldn't be established. Different members from the support department at XXXX were simply copying and pasting the same message back without answering any of my questions for help. 

I called XXXX again and spoke with 3 different supervisors and a department manager. Since an account couldn't be created for me and no one was able to help, for some reason, I asked to have my personal information deleted from their software systems. 

I was told they couldn't help me, even after they keep asking for my SS #, etc. 

All I want is to be sure that my personal information IS REMOVED from their systems. 

By law, they are supposed to have a data retention policy. They were unable to provide me with any additional information and kept telling me to email XXXX. 

The email responses are ALWAYS the same message without any explanation and no one at the company is willing to help ensure that my personal information isn't going to stay with this company, who has refused to provide me with ANY account access to see or manage my information. 

This is unlawful, breaking several US banking laws! 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: MD

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

Account name : JPMCB CARD ; Account number : XXXX According to 15 U.S.C 1681 section 602 A., I have the right to privacy. According to 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency can not furnish a account without my written instructions. I NEVER gave JPMCB written instruction to furnish anything onto my consumer report. I want them to delete this account from my consumer report. According to 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. JPMCB is aware that they are violating my rights as a consumer. I have disputed this account. I have sent them a letter. I have called them. They seem to have a blatant disregard for the law.

Furthermore, the Fair Credit Reporting Act 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. A late payment falls under the category of transactions. They should not be on my consumer report.

JPMCB has violated several laws at this point. Not only that, they are even reporting inaccurate information to my consumer report. I want this account deleted from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Clark County Collection Service
State: IL

Complaint narrative:
please this account is no my resposabil

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
Upon checking my consumer report, I have become aware of the many errors, including false and misleading information, these collection accounts are not meeting the credit reporting standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment & XXXX  and is XXXX  my entire life by keeping me from getting new credit for personal, family, and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FB FINANCIAL CORPORATION
State: TN

Complaint narrative:
Hello, I am writing this complaint after trying several times to correct this with the current servicer. I had recently had my PMI dropped with an updated appraisal that came in above {$730000.00}. I requested from the servicer to have the escrows removed but they are refusing to do so citing that my LTV is at 84 % but that doesnt make sense as I would still have my PMI. Now they are stating that when my loan was transferred the first month when I was unable to make a payment online they are stating it was an in-house late payment. Which they arent reporting to the credit bureaus as we all know a consumer is allowed a 60 day grace period when loans are transferred. I have spoken and emailed them 18 times about this matter always getting the run around. I need help as I am absolutely not required to pay my escrows with my mortgage and am choosing not to do so. The current servicer is XXXX XXXX XXXX, my previous was XXXX. I have never been late on my mortgage with either of them.

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 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a credit card account with Chase Bank. I received an offer for a balance transfer at 0 % for one year with a 4 or 5 % fee. I made that balance transfer {$2500.00} about 2 months ago. On my recent statement I noticed that I was charged {$38.00} interest I called customer service to find out why I was charged this fee. I was told that since I had a balance transfer at 0 %, I no longer get the 30 day grace period on regular purchases. ie interest rate started on the day I made the purchase. I requested that they wave/refund that fee, and the representative and his supervisor were unable to wave that fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I have bank with the following Banks in XXXX SC XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  and TD Bank and now XXXX XXXX. This complaint is about TD Bank and XXXX XXXX XXXX bank both these banks is where XXXX XXXX have worked and possibly XXXX XXXX  XXXX where I have had money stolen from and identity. When I started having problems with TD Bank I recognize who she was from other bank her name now is XXXX XXXX XXXX. I told her that I recognize her and we talked for some time in her office. I immediately left and called to speak to someone in a regional office XXXX who never returned phone call after his first intinal call. I told him my account was coming up short for the past couple of months since XXXX XXXX XXXX was there and I would add up everything and call back but he didn't return call. I have had XXXX XXXX dollars stolen from XXXX XXXX XXXX XXXX  and XXXX from XXXX XXXX XXXX and TD Bank at least XXXX .I don't know what to do please help me about this situation that is getting worse instead of better I am tired of being bullied by whomever causes me all kinds of problems with bills and identity theft issues. Someone also has a duplicate copy of my XXXX and tried to get money from bank account at TD Bank but XXXX XXXX XXXX recognize person wasn't me I got a police report number and tried to get footage but XXXX said I need to have the exact date and time. I need someone to look at what has happened to me at TD Bank my account I left soon as I recognize XXXX because I started having so many problems and alert coming to my phone day and night I just took the last money I had and went to another bank so person kept trying to get money from ATM at XXXX I would get alerts to my phone person drives a gray car what kind I don't know but XXXX XXXX XXXX at Bank when it happen XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: AL

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., XXXX, XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights 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 2023-02-09 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: KY

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. 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 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, has violated my rights. 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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: OH

Complaint narrative:
Hunter Warfield has contacted me several times about a fraudulent debt being reported by a leasing company. I called to dispute several times and provided a paper trail of conversations directly with the leasing company that shows they agreed that I do not owe them any money. They are attempting to charge me rent for the entire month of XX/XX/2022 even though I did not live there and communicated to them that I was no longer living in the unit. This company has been very unprofessional in their validation of the debt with the clear information I provided that shows the company said my balance was clear. Attached you will find pictures of the conversation directly with the leasing department invalidating the charge they are pursuing. This is a case of a company not being true to their word and attempting to take advantage of an individual without properly communicating with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have a savings account with {$800.00} dollars. The bank charged me a {$120.00} management fee. I told them that was egregious and it should be lower. They said there is nothing they could do about it. That's to cover their cost.

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 2023-02-09 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Dear XXXXXXXX XXXX XXXX  Account # XXXX ; XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: WI

Complaint narrative:
The following accounts are incorrect and they are adversely affecting my livelihood. 

XXXX XXXX XXXX Account # 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 2023-02-09 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I spoke with the companies in question about how they retrieve my information. I have requested the companies in question to close the accounts because they were not given permission by me and I didn't owe monies to these companies in question. The negative accounts have not been removed from my credit report.

Company response to consumer: Closed with explanation