vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 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:
Me and my husband went to a mortgage broker to see if we qualified for a mortgage and we where told we had negative items on our credit reports. After investigation, we found out that we had fraudulent items on our 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 explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I did not authorize any hospital to release my personal information to a third party collection agency. This is a HIPAA Law violation. This account is also reporting inaccurately, which is not under FCRA compliance.

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 2024-01-08 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this personal statement is being generated by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumer 's right to privacy along with accuracy. I demand the removal of these accounts.

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 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: IL

Complaint narrative:
XX/XX/24 : I got several emails and a text that a Chime account had been opened in my name. I did not fill out an application and hadnt hear of the company till then. They had all of my information and opened the account. However my credit has been frozen prior. They closed the account when I called. 

This account shouldnt have been allowed to be opened in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: OPTUM BANK, INC.
State: IA

Complaint narrative:
I have a Health Savings Account ( HSA ) through Optum Bank. I have a debit card, which is set up to pay recurring bills such as subscriptions ; I also use the debit card to pay periodic doctor appointments and services. In late XXXX XXXX, the card started being denied. At that time I had almost {$4000.00} in my HSA account, so available funds is not the problem. 

I contacted Optum Bank in early XXXX ( did not record date ) and was told my card had erroneously been cancelled due to a " system conversion '' and the customer service representative would order me a new card. I have contacted Optum Bank a total of FIVE times since XXXX ( including original call ) requesting a new debit card, and I have never received one. The last contact was the week before XXXX XXXX. At that time, the customer service rep. told me she could see that a card had been requested four times but never completed because they " needed to add me to the card system to generate the card '' and the supervisor would do so as soon as we got off the phone. Unfortunately, it is now XX/XX/XXXX and I still do not have a debit card to access my funds. 

At the time of my fifth call, I also requested to submit a formal complaint. The representative took my complaint information, but I have not received confirmation of the submitted complaint or heard back on the resolution of the complaint itself. 

Thankfully, I am able to pay my medical bills out of pocket and request reimbursement through the Optum Bank app. However, this is an inconvenience. And unfortunately, not all consumers are able to do this. It concerns me that Optum bank canceled my card due to no fault of my own ( " system conversion '' as I have repeatedly been told ), and it has been more than three months since I first notified of them the problem. Five repeated calls have not resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello I deposited cash money all {$100.00} bills XXXX bills in the atm CHASE branch machine today. It took my money but it print received to give them a call there was an error. When I called they check the system they said there arent any money showed. I said please check the Camera I even counted it before put it in, they said they cant. Im very headache right now. It is a lot of money and it seems they dont want to take any responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this personal statement is being generated by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumer 's right to privacy along with accuracy. I demand the removal of these accounts.

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 2024-01-08 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this personal statement is being generated by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumer 's right to privacy along with accuracy. I demand the removal of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/2024 Discover Stole {$2000.00} and {$100.00} for a company titled " XXXX XXXX Discover sent me a text message the same day on XX/XX/2024 It stated from a number XXXX " Discover XXXX XXXXXXXX : We Declined {$2000.00} at XXXX XXXX. Recognize this? Y or N. Questions? Call XXXX. Text STOP to quit. In which I responded N, Discover then sends back a response Discover XXXX : Sorry, We did not understand your response. Try again after reviewing the previous message or call XXXX. Text STOP to quit. In which I texted N again for the third time, and Discover once again responded : Discover XXXX : Sorry, we did not understand your response. Try again after reviewing the previous message or call XXXX. Text stop to quit. After the third message I sent it didn't respond anymore. Discover IS FALSELY Accusing me of authorization after I SENT PROOF in picture I did not authorize the transaction. I uploaded this to the XXXX XXXX XXXX - XXXX This transaction was not authorized. Discover Bank XXXX Department even admitted I did not respond with a Y to authorize the transaction yet. Their Dispute response for denial stated. Account holder has contact with the financial institution. I have never had contact with the institution. This XXXX whoever this third party is, I have not done business with. I do not have contact with this business and in the secure document upload listed above I DID NOT authorize the transaction. It's not my fault Discovers text message system did not recognize my response. This is a technical BANKING Error, not a Consumer error. I followed all proper laws and reported this right away to XXXX different departments within Discover including sending a PHOTO COPY PROOF OF THE TEXT AND RESPONSE. Which clearly shows I responded N. I did not authorize this transaction, and I have not been in contact with this merchant. This is $ XXXX Discover allowed to be drained from my XXXX XXXX Account without my consent. Discover Denied the Dispute and refuses to refund the money, Without providing documentation proof. I have sent proof of what I texted in response to their text message system. They experienced a Technical Error which they admitted and then want to falsely accuse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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:
A mortgage broker pulled my credit. They pointed out that i had a couple negative items on my credit report. I contacted the creditors and it turns out, they are fraudulent.

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 2024-01-08 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: The Law Offices of Mitchell D. Bluhm & Associates
State: SC

Complaint narrative:
Item was disputed on my credit report as this information is inaccurate. I do not have and I am not aware of a medical bill from XXXX XXXX. This information is negatively affecting my credit report and is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have seen patterns of abuse in which collection agencies do not provide me with a call or any form of communication in writing but send it to my credit bureau or contact my job via work email. I ask for documentation and cease until documents are provided and requests are granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
A Care Credit card issued by Synchrony Bank with a promotion involved. My discussions with their employees have been many. On XX/XX/XXXX it was agreed balance should be corrected to {$7700.00}. It was to be done in 72 hrs and reflected within the next 1 or 2 statements. The biggest problem is a customer has to re-exlplain the situation everytime. They do not assign a case # to reference. They will not email or mail a confirmation of discussion and agreement. There is no means to re-connect with the same agent. They claim they cant call or return a call. It is the WORST company for customer service. They rely on notes entered in the customer sccount which have to be reviewed on each call. I have been paying approx {$500.00} per month since the XXXX agreement and my balance is at {$11000.00}. It is ridiculous!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-08 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: FL

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
In XX/XX/2023 i had paid my Home Depot/Citi store credit card off which had a {$520.00} balance. I subsequently recieved a statement reflecting the XXXX balance along with a letter from Home Depot concerning a security incident of an unauthhorized party gaining access to personal information of my account. My next billing statement had a balance of {$28000.00} due, which is fraudulent, as i have not charged anything. And these fraudulent charges are being reported to the credit bureaus reflected on 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 explanation
Consumer complaint received 2024-01-08 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:
A mortgage broker pulled my credit. They pointed out that i had a couple negative items on my credit report. I contacted the creditors and it turns out, they are fraudulent.

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 2024-01-08 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:
A mortgage broker pulled my credit. They pointed out that i had a couple negative items on my credit report. I contacted the creditors and it turns out, they are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally request the removal of a disputed item from my consumer file. Despite my efforts to have the inaccurate and incomplete reporting verified by the information furnisher, no resolution has been achieved. I respectfully urge you, as the credit bureau, to adhere to the legal obligations outlined in the Fair Credit Reporting Act ( FCRA ) and promptly eliminate the contested account listing from my credit report. The accounts in questionDEPT OF EDUCATIONXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9900.00}, DEPT OF EDUCATION/XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$9200.00}, DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$9200.00}, and DEPT OF XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : $ XXXX a notice of dispute from me, prompting your credit bureau to confirm the account 's verification. However, knowing that the information was unverifiable, I proceeded to dispute it directly with the furnisher of information, as allowed by the FCRA. Regrettably, the furnisher has failed to provide any substantiating evidence or respond in any manner. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2024-01-08 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: MI

Complaint narrative:
I acknowledge your efforts in addressing some of the inaccurate entries on my credit reports. However, I have observed that several fraudulent items persistently remain in my credit history. I kindly urge you to expeditiously eliminate these items from my credit records. Enclosed herewith are the specific details of the items requiring removal from my credit reports as per the respective bureau : -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX  Balance : {$910.00} XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX  Balance : {$140.00} -- -- -- -- XXXX XXXX -- TRANSUNION : XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX  Balance XXXX {$870.00} XXXX XXXX  Balance : {$2100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX XXXX : XXXX Date Reported XX/XX/2016 Reference # : 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 2024-01-08 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: TX

Complaint narrative:
Per code 15 USC 1681 b & 15 USC 1681s-2 Us 242 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!! Also its illegal to freeze a consumer account you have been put on notice.

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 2024-01-08 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: TX

Complaint narrative:
Per code 15 USC 1681 b & 15 USC 1681s-2 Us 242 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!! Also its illegal to freeze a consumer account you have been put on notice.

Company response to consumer: Closed with non-monetary relief