vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT THIS IS FOR TRANSUNION AND XXXX THE OTHER IS FOR THE CREDITOR! 

In accordance with the Fair Credit Reporting Act ( FCRA ), I formally request validation of the debt in question from Source XXXX XXXX, as well as accurate and complete information regarding its origin and validity. It is noted that despite my previous correspondence, XXXX XXXX XXXX failed to provide the requested validation or adhere to the requisite XXXX mailing requirements. 

Furthermore, XXXX XXXX XXXX 's failure to furnish accurate information regarding disputing procedures and the omission of requested information are clear violations of FCRA regulations. Moreover, their disregard for the timelines stipulated by law and fair credit reporting practices is unacceptable. 

Additionally, TransUnion and XXXX 's inclusion of the disputed item on my credit report without proper verification constitutes a breach of their obligations under the FCRA. This failure to adhere to established procedures is concerning, especially considering the significant impact on my creditworthiness. 

It is imperative that XXXX XXXX XXXX, TransUnion, and XXXX rectify these discrepancies promptly and take appropriate measures to ensure compliance with FCRA regulations. Failure to do so may necessitate further action, including the escalation of this matter to regulatory authorities or legal recourse to safeguard 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
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I applied for XXXX XXXX XXXX credit card on XX/XX/XXXX and got approved. 
I did not have a XXXX XXXX account at that time. 

I later tried to open a XXXX XXXX account on XX/XX/XXXX and could not use my email address as that was already used for another account and that is how I learned that Chase created a XXXX XXXX account using the information from my Chase account. 
The problem is that they used wrong information for my name and mailing address so I could not activate or sign in with that account. So I created a new account instead. 
I asked Chase about this and they said the reward points were posted to the account I could not access. 

As I was not able to access the account Chase created, I asked Chase to transfer my reward points to the new account via a secure message on XX/XX/XXXX. 
On XX/XX/XXXX, Chase told me that they can't do this because my information is not matching on my accounts and need to contact XXXX to combine my XXXX accounts and update my information. 

I contacted XXXX and tried to combine XXXX accounts but i was not able to do so as the account Chase created did not have correct information. I tried to resolve this issue through XXXX multiple times but could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: CA

Complaint narrative:
Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided 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 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
XX/XX/XXXX and XX/XX/2024 I called American Express and requested that my credit card account be closed bc they would not allow me to change my password to my account until the new card they sent me had arrived even though my SS # had been exposed and I needed to change it asap. They did NOT inform me that I could only change my password with the card number and THEY are the ones that advised me to change password. Both times I called to cancel the card and was told it was done but neither time did they close my account! I called back XX/XX/2024 once I realized it was still opened and requested to speak to a manager or supervisor and they told me there were none. I called back and was told there was. I am currently on hold now trying to find out why my account was not closed. This is absolutely UNACCEPTABLE!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
XXXX of XXXX I had an issue with a vendor over charging for services. I reached out to my banking institution, which is SoFi Bank. I explained my concern and they reassured me on XXXX separate calls that the vendor would not be able to deduct any more from my account, not to worry, my money was safe. I also submitted a dispute to retain overcharged funds that had already been deducted. They denied the dispute, I still dont know why or how they came up with the denial decision, its clear that I was overcharged by the vendor. SoFi will not tell me how they decide whether to refund a dispute to the customer. They recently began overdraft protection service for consumers. I turned my off because I did not want them to cover payments for me, especially incorrectly charged deductions. They have never covered an overdraft charge in the past, especially when the option is turned off. I received an email stating SoFi had covered and overdraft charge for me and that my account was negative and I. Needed to make a Payment to keep my account in good standing? I have been a customer since XXXX and over the years they have not offered overdraft protection and they have never made a payment without my permission. They failed to follow my request and they paid an incorrectly charged bill on my behalf and i specifically put a flag on account, requesting no payments were to be made to the vendor and i did not have the overdraft protection turned on. They submitted and unauthorized payment on my behalf, this action created a downhill spiral of events for me, now the company they paid for me refuses to give me any money back for the overcharges and the bank has denied the dispute charges and they have NOT acknowledged my request for an explanation as to why they paid the bill despite my wishes not to be enrolled in the overdraft protection service they recently started offering.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: VA

Complaint narrative:
I had got a auto loan with my bank, my bank has a privacy policy that says they will not share my personal information to nonaffiliated third parties, I finding out on my credit report that theyve been reporting it for over XXXX  months which theyre in violation of their own policy that they signed with me and the in violation of the privacy act of 1974 and more and they also reported my banking transactions which is against the law and the account was closed when its a post to be opened ended

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT THIS IS FOR XXXX AND EXPERIAN THE OTHER IS FOR THE CREDITOR! 

In accordance with the Fair Credit Reporting Act ( FCRA ), I formally request validation of the debt in question from Source XXXX XXXX, as well as accurate and complete information regarding its origin and validity. It is noted that despite my previous correspondence, XXXX XXXX XXXX failed to provide the requested validation or adhere to the requisite XXXX mailing requirements. 

Furthermore, XXXX XXXX XXXX 's failure to furnish accurate information regarding disputing procedures and the omission of requested information are clear violations of FCRA regulations. Moreover, their disregard for the timelines stipulated by law and fair credit reporting practices is unacceptable. 

Additionally, XXXX and Experian 's inclusion of the disputed item on my credit report without proper verification constitutes a breach of their obligations under the FCRA. This failure to adhere to established procedures is concerning, especially considering the significant impact on my creditworthiness. 

It is imperative that XXXX XXXX XXXX, XXXX, and Experian rectify these discrepancies promptly and take appropriate measures to ensure compliance with FCRA regulations. Failure to do so may necessitate further action, including the escalation of this matter to regulatory authorities or legal recourse to safeguard 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 explanation
Consumer complaint received 2024-04-28 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: MO

Complaint narrative:
FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each erroneously reported item on my credit file.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided 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 non-monetary relief
Consumer complaint received 2024-04-28 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: CA

Complaint narrative:
Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery Associates LLC Claims that I owe a debt to them directly without any proof. PRA LLC has send notice of an account in my name to all XXXX credit bureaus, without validating such debt. I have asked PRA LLC of proof of debt, including DOB, SSN, et cetera, and PRA LLC has failed to provide such supporting documentation. PRA LLC has send BLANK SHEETS from a financial institution WITHOUT anything written on them. This is a clear violation of the Fair Credit Reporting Act of 1970. PRA LLC has not contacted me either via mail or phone to give me a chance to dispute such debt. It appears to be that this company is not operating in good faith under any circumstance. I have reached out to PRA LLC via mail and I have received no supporting documentation at all, other than BLANK SHEETS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: PA

Complaint narrative:
The XXXX XXXX XXXX XXXX item is in violation of the PA statute of limitations which is 4 years. The account has been closed for over 7 years, yet they continue to post on my report and I have tried several times to dispute it with XXXX and Equifax, with no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not have a contract with both companies that have been listed on the dates they are reporting that the account is was opened. Each time I dispute it they change the date. I've tried to dispute these items with TransUnion XXXX XXXX and they don't seem to care not resolve this issue. Its incredibly difficult to get someone on the phone, they don't follow through with their investigation. Allow these companies to access my sensitive data and post damaging misinformation on my credit report is grossly neglectful and irrisponsponsible of credit reporting agencies. Especially when I've brought this to their attention many times! Its violated my right to fair treatment and privcacy of my personal information.

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 2024-04-28 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: Chime Financial Inc
State: MD

Complaint narrative:
Issue with : Chime XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX United States On XX/XX/XXXX of this year someone changed the password on my chime account and stole {$5000.00}. 
I reported this to Chime on the XXXX of XXXX and they said they would look into it, and provided me with a claim number:XXXX. 

On XX/XX/XXXX called chime again and produced little even though they said they realize it's not my fault. The account is supposed to be protected by XXXX XXXX liability, and the FDIC, and received another claim number:XXXX I called and asked for copies of the logs for these transactions under FRCP e-discovery hoping to sort it out myself. But chime has flatly refused to provide me with this, or refund the money. 

I still have not seen the return of these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: WI

Complaint narrative:
Upon review of my credit report, again, after TransUnion sent a response to my dispute regarding the XXXX  XXXX Bankruptcy, things are still incorrect and inaccurate on my credit file and the bankruptcy needs removal IMMEDIATELY. 

In addition to above, a FRAUD ALERT was placed on my credit file which I did not request. I have tried to remove it from TransUnion 's website but am not sure it will be REMOVED FROM ALL CREDIT REPORTING AGENCIES. REMOVE FROM ALL CREDIT REPORTING AGENCIES. 

I KEEP CALLING, WRITING AND I AM GETTING NO RESOLUTIONS. THIS IS CREATING A HIGH LEVEL OF XXXX AND I WANT ALL ISSUES RESOLVED IMMEDITELY. 

Violation against TransUnion is under USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provides in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's report at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, which I did, or indirectly through such as a reseller dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the correct status of the disputed information, or DELETE THE ITEM FROM THE FILE IN ACCORDANCE WITH paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the 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
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX since 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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 recently checked a copy of my credit report nad notice that there were fraudulent accounts on my report. Please remove this fraudelents account from my credit report as they are affecting my ability to obtain credit. 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 2024-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
I have ELEVATE RECOVERIES LLC XXXX  XXXX XXXX XXXX XXXX, TX XXXX on my credit report and it is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Burns Auto Credit, LLC
State: SC

Complaint narrative:
Per 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. Burns Auto Credit LLC has used unfair & deceptive acts pertaining to holder in due course rule. The proper NOTICE was enter in the contract : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. : However, under notice - it contain additional language with limitation & restriction on my right to assert any claims and defense as note holder per Federal Trade Commission Staff Guidelines on Trade Regulation Rule Concerning Preservation of Consumers ' Claims and Defense. PER Federal Trade Commission if contract has additional recitals which limit or restrict its application, I as the consumer may assert, by way of claim or defense, a right not to pay all or part of the outstanding balance owed the creditor under the contract ; but the consumer will not be entitled to receive from the creditor an affirmative recovery which exceeds the amounts of money the consumer has paid in.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have mailed in several disputes all of went unanswered. Whenever I attempt to dispute online I am told this option is not available for me. Why? ( See attachment ) I am being discriminated against due to my race and ethnicity. Whenever I attempt to call I am routed to XXXX different people and then hung up on repeatedly over and over again. For example, I disputed the attached collection trade line and am never able to get it resolved. This is an ongoing problem and one that may need another agency to also look into for the potential discriminatory practices. 

Allow me to dispute online and resolve XXXX that I have submitted in a timely matter required by law. I am XXXX and can not always mail items and calling gets me nowhere which call records will show.

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