vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime bank sent a written statement to my account detailing their mobile check policy ( I have a copy ). It states 1 business day after check accepted I receive {$200.00} partial payment. Under this written premise i initiated mobile check deposit on XXXX. Check was cashed by chime on XXXX. Chime has since refused to place any of my funds in my account. I have not had money for a week. I have suffered severe financial damages. I do not understand how a company is so lacking in ethics, negligent, producing fraudulent documents to customers, yet still allowed to operate. There only response is " the check may hold for 5 days ''. It has been 6 days. Please help me i am out of options. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: NY

Complaint narrative:
XXXX for the SECOND TIME has allowed someone to open an account under my name/information as provided by a soft inquiry to TransUnion. I called XXXX on XX/XX/2013 to initiate XXXX XXXX and they told me they can not proceed until I pay them the {$1900.00} that " I '' owe them, which they sent to collections and reported to at least one credit agency, without ever notifying me ( nor TransUnion notifying me ). This is the 2nd fraud against me by XXXX and I even have Credit Freezes and Fraud Alerts with all major credit agencies! Apparently XXXX only did a soft credit inquiry with TransUnion and ignored any fraud alerts. They have put the onus on me to prove that the {$1900.00} was not in fact meaka Guilty until proven innocent. This conduct is grossly negligent by XXXX and they will not give me service until I prove I do not owe them money. TransUnion is helping to continue to victimize me by permitting others to commit repeated ID theft against me, and this needs to be addressed by the CFPB. TransUnion needs to vet its customers more and cease dealing with them if they have a lack of basic fraud prevention, and stop providing my information to be used to commit further fraud against me. I called TransUnion and after a few phone transfers, they agreed to stop allowing soft inquiries against me. However, they will not send me a copy of my credit report as I have an active dispute. They told me to go to XXXX to access the report that they would not supply, however that website would not allow access to my report either. The fact that I have a dispute/fraud makes it even more important to see my credit report, which they are not allowing.

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I pulled a copy of my TransUnion credit report and after reviewing the information, I noticed that Transunion have a bankruptcy listed on my credit report. This information was placed on my credit report in XX/XX/XXXX and have been on my file since then. I have disputed this information with TransUnion to get no response, or just completely ignore the fact that the information, is incorrect. TransUnion is in violation of Public Law 91-508-OCT.26,1970, Findings, and Purpose -607.B Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a The Bankruptcy Court has no interaction with credit bureaus, including XXXX, TransUnion, and XXXX XXXX The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. So how is this placed on my consumer file, since the court did not furnish this information to TransUnion. 

On XXXX XXXX I filed Complaint Number : XXXX to TransUnion, who replied stating that their is working on the file, and have determined that it is fraud. They never provided me a completed credit report, and or investigated the initial dispute regarding the bankruptcy on my credit report. They only replied that I am a victim of fraud see below for the company response and etc. 60 DAYS have passed they have failed to verify the information disputed, and fail to provide me an updated credit report. TransUnion is in violation of of Public Law 91-508-OCT.26,1970, Findings, and Purpose -607.B Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i. Please note that, I also contacted the court who provided me the letter attached to this second dispute.. 

This is the company response : We received your complaint about the items in your credit report and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request. 
Potential fraud STATUS Company responded there may be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud.

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRSTBANK PUERTO RICO
State: NJ

Complaint narrative:
First Bank FL MANAGER XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL XXXX RE : XXXX XXXX c/o XXXX XXXX ( niece and Power of Attorney ) XXXX XXXX XXXX XXXX XXXX NJ XXXX I am in a XXXX home ( XXXX XXXX ). 
I have not done my Taxes in the years : XXXX ; XXXX ; XXXX ; XXXX. 

I requested four ( 4 ) 1099 Forms so we ( my POA/Niece and myself ) for 4 years so we can do my Taxes and send to the IRS. To First Bank FL at the address above on XX/XX/XXXX. They did NOTHIGN for 1 month. My niece contacted 1st Bank Florida in XXXX XXXX again 1 month later ( XXXX XXXX ) and they wouldn't talk to her, despite sending in the POA forms and 2 death certificates of POAs # 1 and # 2. jthey wouldn't grant her POA! ) so i have to type up a letter and get it notarized in my XXXX XXXX, for Every CD expiring that I want CASHED and mailed to th e above address to pay for my XXXX XXXX 

1st Bank FL called me at my XXXX XXXX 3-4 weeks ago, andn I verified that YES, I DO WANT AND N EED 4 YEARS WORTH OF 1099 's TO DO MY IRS TAXES !! I WAS REQUESTED TO SEND IN : DRIVER 'S LICENSE ( i AM XXXX YEARS OLD BUT HAVE A LICENCE ) ; INSURANCE CARDS, ANDN I ALSO INCLUDED OTHER INSURANCE CARDS " AND '' MY SOCIAL SECURITY CARD, ALL XEROXED TO BANK ON XX/XX/XXXX. 

STILL NO 1099 's FOR 4 ( FOUR YEARS ) SENT TO M E!!!! I HAVE BEEN WAITING FOR 2 LONG MONTHS TO GET THESE FORMS, AS THE 1ST REQUEST SIGNED WAS SENT ON XX/XX/XXXX!!! TAX SEASON ENDS IN 1 MONTH, AND this DARN OBSTINATE BANK IS THE ONLY BANK THAT I AM WAITING FOR, TO COMPLETE MY TAXES AND SEND TO MY NY ACCOUNTANT!!! 

Why are these people so obstinate? Lazy? or not followiong rules for their Customers??!! 

I N EED MY EARNED INTEREST INCOME OF MY 4 YEARS WORTH OF MY MANY CDS IN YOUR LOUSY BANK : 1ST BANK FLORIDA, ASAP/ IMMEDIATELYK!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX XXXX. After carefully reviewing my personal consumer credit report, there are hard inquiries that I did not authorize. I request that these Inquiries be removed immediately upon investigation. I have listed all of the creditors below that have violated the permissible purpose Section 604 under the FCRA [ 15 U.S.C. & 1681B ]. The below creditors have submitted a credit request without my permission & without my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act the creditor has violated my rights under 15 USC 1681 section 602 states I have right to privacy 15 USC 1681 section 604A section 2 its also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC1666b a creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: GA

Complaint narrative:
I have reach out to tradeline company and credit reporting agency sent in the requested information no response from the companies in reference to this fraud 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 2023-03-10 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On or about XXXX of 2022 someone stole my identity. I found out when I went to apply for a loan. Whoever stole my identity appears to have access to my mailbox in the building I lived. 
These people applied for and received a card from XXXX and spent {$1900.00}. I immediately called the fraud department at XXXX and filed a complaint. After about XXXX weeks XXXX contacted me and said they determined that the charges were not fraudulent and that I was liable. 
They never presented me with the evidence showing that I applied for this card.

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 2023-03-10 00:00:00
Product: Credit card or prepaid 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank Dispute Department TD Credit Cards XXXX XXXX XXXX XXXX. Ga XXXX We noticed that a merchant was charging our credit card XXXX, for services we did not use. In fact, we did not even know who they were. So TD open a case number XXXX in XX/XX/2022, and told us they would resolve our dispute. TD also said, they would close our a/c, as is the standard procedure. 

XXXX. TD did not close the a/c. .It took 4 calls to finally have them close the a/c in XX/XX/2022. The merchant kept charging the a/c all that time. 

2. When I called to find out the status of my claim, I was told that I could not speak to the dept., and it was unresolved. I made calls every month. 

The last call I made, the clerk said there was no case for this at all. 

We have stopped doing business with the months ago, and they keep sending us a bill which has the uber charges in it, The XXXX charges amount to {$800.00}. or more. 

I don't know what to do to get this reconciled. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
I was in the hospital and all of my items were stolen from the locker that I was given with a code. When I went to retrieve my items they were gone. My wallet, social, coat and phone were stolen. I informed the bank and they said that there was no error. There are charges in New Mexico and Texas. How can I make those charges and in the hospital?? They said I did those things. This is fraud! Ive had issues prior with this company and now I know that they steal the customers money. This is proof. This is over {$3000.00}. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts has violated my Federally protected consumer rights to the privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 USC 1681 sec 602 A, state that i have a right to privacy.

15USC section 604 A section 2 it also states a consumer reporting agency can not furnace a account without my written instructions 15 USC 1681c ( a ) ( 5 ) sections states, no consumer reporting agency may make any consumer report containing any of the following items of information any adverse items of information other than records of conviction of crimes, which antedate the report by more than seven years 15USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer any reporting consumer agency if the person knows or has responsible 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 2023-03-10 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts has violated my Federally protected consumer rights to the privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 USC 1681 sec 602 A, state that i have a right to privacy.

15USC section 604 A section 2 it also states a consumer reporting agency can not furnace a account without my written instructions 15 USC 1681c ( a ) ( 5 ) sections states, no consumer reporting agency may make any consumer report containing any of the following items of information any adverse items of information other than records of conviction of crimes, which antedate the report by more than seven years 15USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer any reporting consumer agency if the person knows or has responsible 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 explanation
Consumer complaint received 2023-03-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have written XXXX a letter informing them the information for Lobel Financial thats being reported on my credit report is inaccurate. XXXX did not attempt to resolve the issue. I also reached out to the company verifying the account is closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I recently went to a XXXX XXXXXXXX for XXXX XXXXXXXX and I chose carecredit to pay for the XXXX XXXX that I would need to resolve this health issue. I was told that I could pay {$65.00} a month for 2 years with no interest if I used carecredit. 

I received an electronic bill and I paid the {$65.00} on XX/XX/23 as I was told to do. 

A few days later I checked my checking account balance and I was charged for the full {$1900.00} by CareCredit. I called CareCredit and I was told that I would be refunded the {$1900.00}. In the meantime, my balance had dipped below {$0.00} and I was started to receive overdraft charges and it was cascading into affecting my credit cards and my financial profile. 

A week later I still did not receive the {$1900.00} refund that I was told I would be receiving. I called again today, XX/XX/23, and at first I was told that there was no record that I would be receiving a refund. The person that I spoke to then spoke with a manager and told me that the funds were on hold, that it would be released tomorrow, and that it would take 5 days for it to be sent out. 

CareCredit mischarged me for {$1900.00} in a quick second and now it is most likely taking over 3 weeks to get that refund. This is unacceptable for a credit card in this day and age. 

Please let me know what else that I can do as CareCredit, I thought, was a company designed to help people pay for medical/dental services that they would otherwise be unable to afford. I would never have even purchased this dental appliance had I known that I had to pay for it all at once. I did everything that I was supposed to do. CareCredit has not.

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 monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After navigating through Experian 's incredibly intentionally misleading and confusing website, all designed to trick me into signing up to pay them, I see that even though I filed a dispute about incorrect information, which they agreed to remove through the formal dispute, it is still up there! Also Experian is so focused on trying to trick me into paying them, I can not find any way of even getting notified of attempts to access my credit even though I am the repeated victim of ID theft. For a company that has in the past provided my information to be used to commit fraud in my name this is wholly unacceptable. Also I can not even extend the very limited 1 year fraud alert until it expires. It certainly appears that Experian is trying to do everything they can to make sure my information is available to anyone who requests it.

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 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I bank with Wells Fargo Bank, and they have implemented a new system where I get my paycheck two days earlier. I had my check deposited on Wednesday of this week then I look at my account today and the deposit is missing and my account is in the negative. They couldnt help me or give me a time frame on when this will be resolved.

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 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CA

Complaint narrative:
There are 3 accounts that are fraudulent I filled an ftc report and are still reflecting on my credit report. Discover bank. XXXX. And loan me. Also 2 late payments. I was never late for those accounts. XXXX. XXXX

Company response to consumer: Closed with explanation