vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 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: TX

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: UT

Complaint narrative:
Letter of Dispute # 2 To whom it may concern, I want this account in full dispute. This company is not willing to provide me with validation of this debt. I spoke to this company after getting a phone call. They had the wrong address from conceptions of this account, and this alarmed me. The first call from me was back in XXXX, I pay all my bills and to say I had an open collection was alarming. This account is fraud and inaccurate. I demand proof of this debt. This company is so rude and does not listen to the concern of the consumer. I have given my address to them and yet again they still have the wrong address on the file. They are being super personal, willing and in feels super threatening me as a consumer trying to resolve this. I was on the line with 3 of them for 45 minutes. XXXX XXXX, who claims to be a supervisor is very unprofessional and wanted to argue rather than address my concern. I had disputed this account back in XXXX when I got the phone call. Sent in my dispute and now sending it again!! They have a wrong address, and my Driver licensee reflects my address. It is {$65.00} and is not okay to place this on someones credit report when this is not validated and has wrong address in the first place. Especially when I have been a victim of fraud why wouldnt I want validation this is mine? I am willing to resolve this if I get the proper validation and dispute process is addressed. They love to damage people and it shows. This agency needs to be reported. CCS is the name of the company. The phone number to reach them is XXXX. I would love to resolve this if this is my debt. I have updated with them twice asking to send me validation and they have failed to do so, as they claim have not got a written '' dispute even though given one verbally in XXXX! They are in violation of the FDCPA. I have a case # XXXX to reference also for the fraud case filed. XXXX claims in full dispute. If you need any further information needed from me, please do let me know. SO CRUEL AND JUST PLACES ANYTHING ON CREDIT REPORTS PRIOR TO EVEN VALIDATION. 

Thank you Respectfully,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc.
State: NY

Complaint narrative:
Received spam text message from Unfin! welcoming me. XXXX  their phone number and came up as a company that collects student loans and medical debt. This was the first communication I received ; nothing was received by XXXX not was a given a notice with my right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: TX

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 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 2023-05-30 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: TX

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 XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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 non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Education Principle Foundation
State: TX

Complaint narrative:
A student loan through the Art Institute of Houston- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total Payoff Due {$5200.00} Is a federal student loan. 

I have told them not to call me anymore so they have called my brother without my consent.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NV

Complaint narrative:
Good morning my name is XXXX XXXX XXXX XXXX My social security number is XXXX. I was supposed to receive my Social Security Administration Benefits of the amount of {$940.00}. I was aware of the holiday weekend. I contacted Chime Customer Service and spoke to several reps including 3 different supervisors. They couldn't assit me any further. It's important I receive my funds immediately because I'm a XXXX man and my rent and or all other expenses is past due. Chime normally sends my funds early because it's a PrePaid Bank but my direct deposit is normally on the XXXX of every month. Since I been with Chime Bank I been receiving my funds on the XXXX or XXXX of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Upon booking a flight on XXXX XXXX I was offered a promotion involving a {$400.00} statement credit as well as XXXX miles once I spent {$1500.00} in the first three months of opening the card. As I have had issues with Citi in the past I called to verify the promotion to which I was told they had no record of this deal. So I emailed them a screenshot as well as a PDF copy of the offer as well the temporary credit card acceptance. After a few weeks and a few follow ups I had received no reply. So today I called to follow up and have been bounced around six different people in various departments all telling me it is another departments issue. The last representative, XXXX, tried telling me he saw the promotion on my account and I would have to wait up to two billing cycles to see the credit applied. As I didn't trust this I asked him to provide me confirmation which he said they were not willing to do. I finally demanded to speak to a supervisor, which they tried to deny me at first. I was firm and insisted on a supervisor and then while again waiting on hold, the representative came back and said the supervisor said this was another departments issue. At this point I am fed up and believe this was a bait and switch. If they will not help me correct this I will be cancelling the card. Upon researching this issue I see CitiBank has a long history of these tactics and this needs to be addressed.

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 2023-05-30 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: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: TX

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, 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 explanation
Consumer complaint received 2023-05-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXXChase bank closed all my checking and savings accountsthey didn't tell me any reason!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: GA

Complaint narrative:
I am writing this letter as my formal notice of intent to commence legal proceedings against Experian, due to violations of the Fair Credit Reporting Act ( FCRA ), specifically, 15 U.S.C 1681n and 1681i. As you are undoubtedly aware, the FCRA, 15 U.S.C 1681n, makes consumer reporting agencies liable for willful noncompliance with the statute. 15 U.S.C 1681i, on the other hand, stipulates that any consumer reporting agency must conduct a reasonable reinvestigation free of charge when a consumer disputes the completeness or accuracy of any item of information contained in the consumers file. On XX/XX/2023, Experian notified me and stated that the accounts were not removed because they were certified by the furnisher, but they updated the information on the accounts. However, the account information remained the same and in fact, still included numerous inaccuracies. 
XXXX XXXX Acct # - XXXX Inaccuracies- PAST-DUE BALANCE INACCURATE ON A CHARGE-OFF - PAST DUE AS OF DATE INACCURATE - DELINQUENCY DATE TIMELINE INACCURATE XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX Inaccuracies- - REPORTING INACCURATE PAYMENT HISTORY XXXX XXXX XXXX XXXX - XXXX Inaccuracies- - INACCURATE DATES - BALANCE INACCURATE - INACCURATE PAYMENT HISTORY - DELINQUENCY DATE TIMELINE 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 2023-05-30 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
A Hard Inquiry appeared on my credit report on XX/XX/2023. I called Synchrony Bank ( Phone number for XXXX ) about a XXXX XXXX XXXX that was opened in my name on XX/XX/2023. I was referred to the fraud department and the account was then closed due to fraudulently being opened in my name. Apparently, there were a few online purchases made on the new credit account that originated from XXXX XXXX according to the fraud department.

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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To Whom It May Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you.

These discrepancies are honestly impacting my life. I never authorized these, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well violation to my privacy. I am requesting your credit bureau to initiate an investigation to determine the responsible parties. I respectfully request a copy of any documents and an updated copy of my credit report according to 15 U.S.C.Sec.1681i ( a )? there should be no charge. 

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  Thank you for your time and help in this matter. 
Thanks

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 2023-05-30 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: IA

Complaint narrative:
The following hard inquiries currently showing and listed on my Experian, XXXX and XXXX XXXX credit are unauthorized and not my hard inquiries : XXXX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Total Select, XX/XX/XXXX, XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XXXX. XX/XX/XXXX and 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 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
1. Ally bank sent alert email about putting my chk account XXXX profile on hold on XX/XX/XXXX at XXXX XXXX saying they didn't receive the verification they needed to process a payment. 

2. Then after about 30 mins later ( XX/XX/XXXX XXXX XXXX ) they sent the payments anyway w/out my approval/consent. Two big transactions were : {$4800.00} ( went to XXXX XXXX ) and {$800.00} went to XXXX XXXX Dispute # XXXX opened XX/XX/XXXX Transaction date : XX/XX/XXXX Dispute # XXXX opened XX/XX/XXXX Transaction date : XX/XX/XXXX XXXXThere were fraud transactions that happened that were not authorized by me. Looks like hackers were able to add recipient and initiate XXXX 4. Ally called few days later and we opened the disputes. They mailed dispute open letter on XX/XX/XXXX XXXX. They started investigation but concluded that there were no errors relating to those transactions. They Mailed dispute investigation completed letter on XX/XX/XXXX. 
6.We had been talking to their fraud dept and was expecting a copy of investigation report they use in decision making by XX/XX/XXXX which didn't come. Also, was expecting the report in email but that didn't come either. 
7. I called today ( XX/XX/XXXX ) and fraud dept now said we need a court subpoena to get that report. 

Till today, we don't know how Ally came to their conclusion.

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 2023-05-30 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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