vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year>, I noticed cancelled transactions totaling {$3700.00} on my Chime account which I reported to chime. A few weeks later I noticed the cancelled charges once again after I regained access of my account, totaling an additional {$1900.00}. I disputed those charges as well but was also denied. 

Prior to these charges, I experienced suspicious activity, including being locked out of my account and receiving alerts a few days before receiving a provisional credit that suggested someone may have gained unauthorized access from unfamiliar devices. As I noticed the unauthorized charges, I immediately contacted Chime and filed a dispute for these transactions, explaining that I did not approve, authorize, or participate in them in any way. On XX/XX/year>, Chime provided a provisional credit of {$3700.00} while they conducted their investigation. 

However, on XX/XX/year>, I was notified that my dispute had been denied, and the provisional credit would be reversed on XX/XX/year>. I was not provided with evidence explaining how Chime reached its decision, despite my requests for documentation used in the investigation. 

To make matters worse, Chime then informed me that my account would be closed entirely, leaving me without access to my funds and causing severe financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items below. 
Account Name : XXXX XXXX Account Number : XXXX You are reporting a late payment on XX/XX/year> yet XXXX and XXXX are reporting I pain on time. This is inaccurate reporting therefore please remove this late payment off my credit report and update to paid on time due to my FCRA rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX confirm that I am owner and XXXX XXXX committed crimes and cash checks you mailed to him and are withholding from myself the owner as you reported as insured owner on XXXXXXXX  upon entering my last name, ZIP code XXXX and loan number XXXX. I got in by using my old phone number XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX confirm that I am owner and XXXX XXXX committed crimes and cash checks you mailed to him and are withholding from myself the owner as you reported as insured owner on XXXXXXXX  upon entering my last name, ZIP code XXXX and loan number XXXX. I got in by using my old phone number 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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: LEXISNEXIS
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX confirm that I am owner and XXXX XXXX committed crimes and cash checks you mailed to him and are withholding from myself the owner as you reported as insured owner on XXXX  upon entering my last name, ZIP code XXXX and loan number XXXX. I got in by using my old phone number XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
They are reporting inaccurate information on my credit report. the balance is incorrect, the past due balance is incorrect and the date opened is also incorrect. this is hurting my credit history bad. 
i would like this removed immediately please. 

Additionally, under 15 USC 1681b, a consumer report can only be accessed for purposes that are specifically authorized by law, such as credit transactions, employment, or other permissible purposes. 
I have reason to believe that my credit report was accessed inappropriately without my authorization or a legally valid purpose. 

TOYOTA MTR XXXX XXXXXXXX is reporting inaccurately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: First Technology Federal Credit Union
State: FL

Complaint narrative:
Formal Complaint Regarding {$300.00} Bonus Promotion I am writing to formally lodge a complaint regarding your recent promotional offer, which promised a {$300.00} bonus upon meeting specific eligibility criteria. Despite fulfilling all the stated requirements, I have yet to receive the bonus within the promised timeframe.

As part of your promotion, I was required to : 1. Open an account during the promotional period.

2. Make three consecutive payroll deposits, each totaling {$1000.00} or more, over three months.

I successfully completed these requirements by making qualifying payroll deposits in XXXX, XXXX, and XXXX. After not receiving the {$300.00} bonus within the promised timeframe, I contacted your customer support team via chat. Your representative confirmed that the three payroll deposits required for the bonus were indeed made. Despite this confirmation, I was informed that the bonus will not be paid out, which is entirely unjustified and contrary to the terms of your promotion. 

The failure to honor this promotion reflects poorly on your institution and undermines the trust customers place in your credit union. This situation has caused me considerable frustration and inconvenience. 

The resolution I seek is simple and fair : I request that the promised {$300.00} bonus be credited to my account immediately as per the terms of the promotion. 

If this matter is not resolved promptly, I will be left with no choice but to escalate my complaint further. This may include filing a formal complaint with relevant regulatory bodies and seeking additional remedies to address this issue.

I trust that First Tech Federal Credit Union values its customers and adheres to its promotional commitments. I expect your prompt response and resolution to this matter. Please respond within [ reasonable timeframe, e.g., 7-10 business days ] to avoid further escalation.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
inaccurate and potentially fraudulent information that is being reported on my credit report by Equifax. I reviewed my credit report on XX/XX/year>, and noticed several discrepancies regarding the following accounts : XXXX  XXXX Account : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] These accounts are showing inaccurate and incomplete information, including the reporting of late payments for accounts that were closed. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported on an individuals credit file. Unfortunately, the accounts listed above do not comply with this requirement. 

I have already reached out to XXXX to dispute these accounts directly and requested an investigation into the inaccurate reporting. However, I have not yet received a satisfactory resolution, and the inaccurate information remains on my credit report. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) assist in investigating this matter and taking the necessary actions to ensure that the inaccurate and potentially fraudulent information is removed from my credit report. The accounts in question are causing undue harm to my credit score and violating my rights under the FCRA. 

The actions I request include : 1. An investigation into the reporting of the accounts listed above by Equifax.

2. Removal of all inaccurate information associated with these accounts from my credit report, including any late payment reports for accounts that have been closed.

3. Ensuring that the information is corrected to reflect accurate and complete data as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear CFPB, I am filing this complaint regarding TransUnion 's failure to provide access to my credit report. Despite multiple attempts to retrieve my report through their online platform, I have been met with consistent errors stating that " Your online credit report isnt available at this time, '' as shown in the attached screenshot. 

Key Issues : Inability to Access Credit Report : TransUnions system has consistently prevented me from accessing my credit report. This includes attempts to log out and try again, as their platform suggested.

No alternative method has been provided, and I have been unable to verify or review the information TransUnion is reporting about my credit history.

Lack of Transparency and Assistance : Despite their acknowledgment of this error on their platform, TransUnion has not provided adequate assistance or explanations to resolve this issue.

Violation of Consumer Rights : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to access my credit report to ensure its accuracy and dispute any errors. TransUnions failure to provide my credit report denies me this right and jeopardizes my ability to manage my financial well-being. 
Resolution Requested : Immediate Access to Credit Report : I request that TransUnion resolve the issue and provide immediate access to my credit report via their online platform or alternative methods ( e.g., by mail ).

Investigation into System Errors : TransUnion must investigate the cause of the persistent error and provide a detailed explanation of the steps they will take to prevent such issues from reoccurring.

Assistance in Resolving Disputes : If any inaccuracies are found in my credit report once accessed, I request that TransUnion assist in resolving these issues promptly in compliance with the FCRA.

Supporting Documentation : Attached is a screenshot of the error message displayed on TransUnions platform when attempting to access my credit report. 
Impact and Final Request : This issue has caused significant frustration and has prevented me from exercising my rights under the FCRA. I kindly request the CFPBs assistance in ensuring that TransUnion resolves this matter promptly and provides access to my credit report without further delay. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Phone : ( XXXX ) XXXX Email : 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 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: SD

Complaint narrative:
On XX/XX/year>, Barclays Bank approved my application for the Wyndham Rewards Earner Plus Card, which I have used responsibly and paid on time since then. I also maintain another Barclays credit card account in good standing, with a perfect payment history. Despite this, Barclays recently and unexpectedly blocked my access to both accounts, preventing any further use. They are now demanding sensitive personal information, such as my passport and driver 's license, as a condition for reinstating accessa request I have never encountered with any other credit card issuer. 
Furthermore, Barclays refuses to close my account without this information, implying that I will continue to be charged the annual fee despite being unable to use the card. This practice is entirely unreasonable.

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 2024-12-21 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: NE

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: IN

Complaint narrative:
I have a closed account/CHARGE OFF on my credit report that needs to be removed immediately because it violated my consumer rights XXXX XXXX ACCOUNT NUMBER IS XXXX DATE OPENED XXXX This collection is inconsistent and inaccurate on all XXXX 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 2024-12-21 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: IN

Complaint narrative:
I have a closed account/CHARGE OFF on my credit report that needs to be removed immediately because it violated my consumer rights XXXX XXXX ACCOUNT NUMBER IS XXXX DATE OPENED XXXX This collection is inconsistent and inaccurate on all XXXX credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items below. 
Account Name : XXXX XXXX Account Number : XXXX You are reporting a late payment on XX/XX/year> yet XXXX is reporting I paid on time. This is inaccurate reporting therefore please remove this late payment off my credit report and update to paid on time due to my FCRA rights.

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 2024-12-21 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: Kikoff Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # 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 furnish a account without my written consent instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: NE

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-12-21 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: NE

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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