vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: MD

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inqu

iries 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 rea
sonable 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 2024-01-19 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: MD

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: FL

Complaint narrative:
I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-01-19 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: FL

Complaint narrative:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: FL

Complaint narrative:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I applied for a card during my checkout process at Victoria 's Secret. I was told there was a problem with my application but the cashier didn't know what the problem was. So I paid cash for my purchase. I received a letter in the mail stating that XXXX XXXX  needed more information from me. I shredded the letter because I no longer wanted to receive credit with this creditor. I never received a card because I didn't comply by giving them the information requested. Then I started getting collection calls and turned into collections for a card I was never approved for and never received. I don't owe this debt or else I'd pay it!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is my second complaint and I am now fed up with BOA. One of my accounts has been blocked for more than 3 months for " suspicious activities ''. I was told it was blocked by Merrill Lynch and nobody could tell me why. The bank asked me to go in person to a branch to sort out the issue. I went to a XXXX branch and it was a waste of time. It took the agent the same amount of time it would take me to reach out to Merrill Lynch. The agent told me that my account is blocked maybe because I did too many international transactions. This is so ridiculous. Would this mean that I am not entitled to make transactions with my money whenever and wherever I want? 
As I am not living in the US now, I provided a telephone number so the bank can call me to provide a verification code. This mechanism is not working. On XX/XX/year> I wanted to make a transaction from the account that was unblocked, I clicked on the option to receive the code by phone. My phone rang and I heard nothing. No code was provided. I ended up not being able to make the transaction. This is just one example, I have several other ones that I could share. 
I am using another bank now. The experience is totally different. They use a voice recognition system and customer service is excellent. 

BOA is not equipped to provide service to customers working or living outside of the US.

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 2024-01-19 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: FL

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-01-19 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: FL

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXXXX/XX/year> Transunion LLC XXXX XXXX XXXX XXXX, pa XXXX Request for removal of unauthorized hard inquiry Dear TRANSUNION LLC I am writing to disputXXXX a hard inquiry that appears on my credit report, as I believe it was conducted without my authorization. I recently obtained a Copy of my credit report and noticed the inquiry listed below : Inquiry date XXXX  Creditor name : XXXXXXXX XXXX I do no recall authorizing this inquiry or having any business dealings With [ Creditor name }, as a result, I am requesting the removal of this hard inquiry from my credit report I understand that hard inquiry can have an impact on my credit score And I believe this inquiry is inaccurate. according to the fair credit reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports I kindly request that you invesgate this matter and, if the inquiry is found To be unauthorized, promptly remove it from my credit report. I also Request that you provide me with written confirmation of the removal Thank you for attention to this matter. I appreciate your prompt Resolution of this dispute Sincerely 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 2024-01-19 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: LJ Ross Associates
State: IL

Complaint narrative:
I am a victim of identity theft. My personal information was stolen as a result of the XXXX breach of XX/XX/year>. There are several items where I am not familiar with, countless of inquiries I did not authorize and this had brought adverse action against me and my credit score.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: MA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
When checking my credit report after a few months of not monitoring it I recognized a large amount of unauthorized credit inquires that appeared on my report that I know I did not do nor authorize. I see inquires from companies like XXXX XXXX, Capital one auto finance, and many more.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Consumer Protections Agency Consumer protection agency, I hope this letter finds you well. I am writing to bring to your attention a matter that has caused me significant distress and financial hardship. As a XXXX XXXX customer of Chime, I have encountered a series of deeply troubling challenges in seeking resolution for disputes that have had a severe impact on my financial stability and personal well-being. My name is XXXX XXXX, and I am compelled to bring to your attention the series of events that have led me to believe that Chime has failed to uphold fair and just treatment, thereby discriminating against me. 

The handling of my claims by Chime has been marked by a persistent lack of due consideration and professionalism, resulting in substantial financial losses and personal distress. Despite providing comprehensive evidence to support my claims, each of my submissions has been met with repeated denials, creating an atmosphere of doubt regarding the thoroughness and fairness with which my concerns have been addressed. The cumulative amount in dispute is in the thousands of dollars, and the continued disregard of substantial evidence provided has been particularly distressing. 

I have made repeated attempts to engage Chime in the proper investigation of my disputes. However, each interaction with their support and supervisor teams has been marked by failed promises and unfulfilled assurances. I have diligently followed all the prescribed procedures, including submitting a meticulously prepared Regulation E form supported by a signed affidavit attesting to the errors in the claims. Yet, my claims have continued to be summarily dismissed. Moreover, actual transaction receipts documenting ATM errors were inexplicably disregarded despite being submitted as irrefutable evidence. 

The consequences of these issues have been nothing short of severe, resulting in significant personal and business-related upheaval, including the unfortunate dissolution of my marriage and the loss of my home. Engaging with banking and investigation agents has only served to reinforce the validity of my disputes, with clear indications that the claims in question should be rightfully reimbursed. 

I am deeply troubled by what I perceive as discrimination against me as a XXXX XXXX customer and the apparent failure of Chime to conduct a proper and impartial investigation into my disputes. In light of this, I urgently seek your agency 's assistance in addressing this matter and ensuring that Chime upholds the fundamental principles of fairness and equity in its treatment of all customers. 

I trust in the earnest commitment of your agency to give the serious attention this matter truly merits, and I eagerly anticipate your swift and decisive intervention in this regard. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
=My information was sold and bought illegally because I was a victim of the Equifax state of breach. I want these items deleted from my credit report immediately. I am attaching proof that Equifax has admitted that I was victim of this state of breach and Equifax has done nothing. 

Please help me delete these illegal items for my credit reports. 

ALSO KNOWN AS XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Someone hacked into my bank account I went to the atm and XXXX dollars was XXXX  out of my account I was never notified about it I was out of town when it happened I got into town went to the atm to take out money and XXXX was gone I called my bank later they said it was authorized and I told them it wasnt me it wasnt on my phone or anything on my side I didnt know but they refused to go and stop the payment that I never authorized it happened on XX/XX/ this person tried to get into my account before on XX/XX/2023 for the same amount but that time fraud unit called me before they would authorize it I told them it wasnt me they stopped it but this last time I wasnt notified and they approved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: FL

Complaint narrative:
My information was bought and sold illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. So please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: NC

Complaint narrative:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-19 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
When checking my credit report after a few months of not monitoring it I recognized a large amount of unauthorized credit inquires that appeared on my report that I know I did not do nor authorize. I see inquires from companies like Ally Finacial, XXXX XXXX XXXX  finance, and many more.

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 2024-01-19 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
When checking my credit report after a few months of not monitoring it I recognized a large amount of unauthorized credit inquires that appeared on my report that I know I did not do nor authorize. I see inquires from companies like XXXX XXXX, XXXX XXXXXXXX XXXX XXXX and many more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

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