vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/23 I Filed A Complaint With CFPB Stating In accordance with the fair credit Reporting act XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose. 

The Company Responded In 4 Days That They Have Investigated & Information Is Accurate. 

I Disagree That This Company Did A Investigation. Late Payments Are Still Reporting Inaccurately & Unverified & According To FCRA Should Be Removed Immediately! 

Below Is Proof Company Did Not Investigate Nor Verified This Information. If They Did As Of XX/XX/23, How Is It, Its Still Reporting 30 Days Late In XXXX & XXXX? 

Inaccurate, Unverifiable Information Should Not Be Updated! But Deleted From 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 non-monetary relief
Consumer complaint received 2023-12-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/23 I Filed A Complaint With CFPB Stating In accordance with the fair credit Reporting act Convergent XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose. 

The Company Responded In 4 Days That They Have Investigated & Information Is Accurate. 

I Disagree That This Company Did A Investigation. Late Payments Are Still Reporting Inaccurately & Unverified & According To FCRA Should Be Removed Immediately! 

Below Is Proof Company Did Not Investigate Nor Verified This Information. If They Did As Of XX/XX/23, How Is It, Its Still Reporting 30 Days Late In XXXX & XXXX? 

Inaccurate, Unverifiable Information Should Not Be Updated! But Deleted From 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 2023-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2023-12-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: TX

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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

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 2023-12-23 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: CA

Complaint narrative:
Re : Transunion Hard Inquiry Deletions To Whom It May Concern, My information was bought and sold illegally because I was a victim of the XXXX XXXX breach. I want these items removed from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX and Transunion has done nothing. 

Please help me delete these illegal accounts from my credit reports. 

XXXX. ) XXXX hotel and travel XX/XX/2023 XXXX. ) XXXX XXXX - XX/XX/2023 XXXX. ) XXXX XXXX - XX/XX/2023 I have also filed and attached a copy of my FTC Report number. 

I do not recognize these inquiries. Please delete them from my Transunion credit report. 

See attachments for proof of the XXXX XXXX breach for deletion.

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 2023-12-23 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: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
On XX/XX/23 I Filed A Complaint With CFPB Stating In accordance with the fair credit Reporting act Convergent XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose. 

The Company Responded In 4 Days That They Have Investigated & Information Is Accurate. 

I Disagree That This Company Did A Investigation. Late Payments Are Still Reporting Inaccurately & Unverified & According To FCRA Should Be Removed Immediately! 

Below Is Proof Company Did Not Investigate Nor Verified This Information. If They Did As Of XX/XX/23, How Is It, Its Still Reporting 30 Days Late In XXXX & XXXX? 

Inaccurate, Unverifiable Information Should Not Be Updated! But Deleted From My Report Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX you are in violation of the Fair Credit Reorting Act and the CFPB reguation for not reporting the complete payment history of this federal consolidation loan from XX/XX/XXXX to XX/XX/XXXX, orginated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$49000.00} and now over {$80000.00} XXXX XXXX to report to the XXXX XXXX XXXX the complete payment history of the University XXXX XXXX XXXX XXXX XXXX loan from XX/XX/XXXX to present that was terminated by the US Department of Education XX/XX/XXXX. I have not paid a penny to XXXX XXXX and have not signed a forebearance or deferrment. XXXX XXXX currently has not sent Transunion and XXXX an accurate month by month. payment history of XXXX student federal loan and it has been over 120 days. XXXX XXXX has not sent me monthly billing statements. I have called XXXX XXXX and the representative said they have no account in my identity. Transunion and XXXX to report the complete accurate payment history on my online credit report account required by law of the fedral student loan. If XXXX, Transunion and XXXX do not report the complete accurate paymebt history on my online credit report the law state you must remove the account immediately. XXXX XXXX to obtain the approval from the US Department of Education General Counselor to report on my credit reports.

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 2023-12-23 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: MI

Complaint narrative:
XXXX XXXX you are in violation of the Fair Credit Reorting Act and the CFPB reguation for not reporting the complete payment history of this federal consolidation loan from XX/XX/XXXX to XX/XX/XXXX, orginated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$49000.00} and now over {$80000.00} XXXX XXXX to report to the credit reporting agency the complete payment history of the XXXX XXXX XXXX XXXX federal consolidation loan from XX/XX/XXXX to present that was terminated by the US Department of Education XX/XX/XXXX. I have not paid a penny to XXXX XXXX and have not signed a forebearance or deferrment. XXXX XXXX currently has not sent XXXX and Equifax an accurate month by month. payment history of XXXX XXXX XXXX loan and it has been over 120 days. XXXX XXXX has not sent me monthly billing statements. I have called XXXX XXXX and the representative said they have no account in my identity. XXXX and Equifax to report the complete accurate payment history on my online credit report account required by law of the fedral student loan. If XXXX, XXXX and Equifax do not report the complete accurate paymebt history on my online credit report the law state you must remove the account immediately. XXXX XXXX to obtain the approval from the XXXX Department of Education XXXX XXXX to report on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Hello this is regarding claim CLAIM ID : XXXX with chase bank credit card. I returned all the items in that order to the merchant and am owed a full refund of {$7300.00}. I believe the credit card company Chase was mistaken in the reason for the chargeback and I also think they are discriminating against me because I am XXXX. The merchant XXXX provided me the return label and I boxed all the items I received using the return label as the label for the box and I returned all the items. It appears that the XXXX warehouse mixed up the items with another box return or chase and XXXX dont believe me because I am XXXX but that is not right. J returned all the items in the order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IN

Complaint narrative:
Yesterday night I called to close my Chime banking account. I was not using it, and I realized that I didnt want to worry about the security of an account I did not use. The balance was low, but positive. Somewhere around {$0.00} or so. 

When I spoke with the CSR, she said that if I closed the account with them I could never open another one. Now, Ive not run into a reputable bank that bans you forever for closing an account in good standing, but I figured if thats how it is I probably dont want to come back anyway so its okay. 

Then I get an email that says Following a recent review of your Chime Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. 

So they made it sound like I did something wrong, it was their idea to break up with me, and now they might do the equivalent of calling my boss to say Im a terrible person in order to get me fired, like reporting my account as in poor standing to whatever system the banks use that I dont understand and dont know how to dispute.

Its anxiety provoking and extremely shady. Worse, I dont know how to guard against any negative impact from it. I have no idea if this breaks any rules. I know nothing about banking. But I do know this is definitely not okay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: IL

Complaint narrative:
Accounts XXXX. XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ) To my knowledge these credit reports were requested to be removed by the store companies. Due to inaccurate information of the length to which these accounts stayed open, and unauthorized payments that are now showing as LATE when the accounts were not open past the recorded late payment dates on my updated credit file, this has been an on going issue that has not gotten corrected from XXXX and TRANSUNION but HAS gotten deleted from XXXX and I am demanding that these XXXX credit accounts be removed from my credit file INDEFINITELY once and for all! Myself and the store companies have BEEN taking measures from this illegal action and are requesting deletion for these XXXX accounts. XXXX XXXX and 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 2023-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not open thesis accounts

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
n 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. ( USC 91-508 ) I told the XXXX, XXXX, and Equifax to reinvestigate these accounts 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 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 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 15 U.S.C 1681 SECTION 602 A. states i have a 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 instruction. 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 REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
n 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. ( USC 91-508 ) I told the Experian, XXXX, and XXXX to reinvestigate these accounts 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 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 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 15 U.S.C 1681 SECTION 602 A. states i have a 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 instruction. 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 REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE

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 2023-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XX/XX/2023 was XXXX XXXX bank card was loss or stolen, I reported to XXXX XXXX about the mishap, they responded that they would canceled the card and resend a new one, my mom who is also a joint account owner receivethe cards, activated both cards and keptthemin hrt possession ... .which she set up online banking and password, she managed the account, i never knew the login information, I'm a student and this was my first bank account online. On XX/XX/2023, my mother transferred {$100.00} via XXXX, to our XXXX XXXX account from her XXXX XXXX account, also on XX/XX/2023 she transferred {$650.00} via XXXX, my mother informed me that she hasn't been able to login lately, she kept getting a wrong password response ... after reaching out to XXXX XXXX several times to reset the password, they always denied access, to my mother who is a co owner of the joint account, finally we received a letter in the mail that the account was overdrawn, the only activity on the account was only 1 check for {$100.00} on XX/XX/2023 to our church, to find out later it bounced. After my mother spent hours on the phone, constantly being put on hold several times, she found out that someone had took over our complete account, changed our online sign in information, both our phone numbers, created a member to member account and reoccurring transfers, the banker asked if we knew the person, we responded absolutely no. We requested more information about the person who hacked the account to file a police report, they wouldn't give us any information on that person. Couple weeks later we received a letter stating that they didn't find any fraudulent activity, the letter also stated to call them for the reason the claim was denied, after calling and visiting the branch several times, 2 months later, we haven't received a reason for the denial yet! I didn't want to take this route, I actually found out yesterday, 3 people I spoke with had the exact same thing happened to there XXXX XXXX  account, please help, I'm a teenager and this is my first bank account and this happens, I'm so disappointed, not to mention we found out they never flag the account, nor did we received verification notice or phone call when the hacker changed all of our personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation