vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/2022 I transferred some money out of my Chime account to my husbands account about an hour later I went to get gas and it said that my card was not valid I tried to call Chime and it told me that I could not speak to anybody because my account was closed I looked in my email and I had email stating that they had immediately closed my account with no explanation I got my husbands phone and finally got through to somebody and asked them if they would transfer my money to my husbands account because I was stranded on the side of the road and if I did not have my money I would lose my job because they said they would send me my money within 30 days I was told that there was nothing that they could do because my account was already closed and I had received the email 45 minutes earlier and they said that the account was already completely closed and there was no way to access my money until it came to me in a check in 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted Transunion by telephone to resolve an issue of an unauthorized inquiry on my credit profile. This issue remains unresolved.

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 2022-04-21 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
I noticed multiple hard inquiries on my credit report from the specific date of XX/XX/22. I did not authorize any of these hard inquiries, nor do I hold an account with any of these companies. 
My credit score dropped XXXX points because of this. 

Not acceptable! I have already tried calling each company listed from XX/XX/22 individually to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC
State: CA

Complaint narrative:
My credit was denied by XXXX XXXX co of XXXX XXXX. XXXX reason stated was that I did not have sufficient equity in my home, however, I have over $ XXXX, so this was a blatant error. They did not check my home value before denying my loan application. 
Secondly, they denied my credit because they said that my amount owed on accounts was too high and that the length of revolving accounts have been established ( doesn't make sense here ). Well, with regard to revolving accounts I pay the balance in full every month. They said when I called about this that they might have made this error because they looked at the balance before I paid it ( again not making sense ). They also said that the 'ratio of balance to limit on bank revolving or other rev accounts is too high '. My credit card says that I can borrow up to $ XXXX, but I never even get close to this! 

Furthermore, my credit rating is XXXX or XXXX. I told my lender - Golden XXXX in California that this company is incompetent. They caused me a great deal of stress as I pay my bills every month in full. I do have a mortgage but again it is paid every month in full. Therefore I am asking that you reconsider any permits or ratings of this company. 

Thank you so much for being there. I did get my XXXX loan anyway in spite of this company. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, CA. 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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have mailed my documentation of late payments that have been forgiven. There still has not been a change in the status of my credit report concerning this. It is damaging my credit. This is a violation of 15USC 1681. I demand that this be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: FL

Complaint narrative:
I Disputed accounts on my credit report that were NOT ( validated ) or 100 % accurate as I look over my Credit profile they are still reporting these fraudulent accounts I also filed a report with the XXXX and a XXXX report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here is the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX / {$740.00} / XX/XX/2022

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 2022-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have tried to cancel my Apple Credit card twice on the phone, You can get the card online with no people interface, but like all slimy companies apple and golden sachs make you call to cancel, the first call I wanted to pay the balance and cancel, of course they have no way to do that, Second call after figuring out how to send money to them and paying card off. Said I could cancel if I read and agreed with there statement removing them from any recourse. 

You should require any company that allows to open and account online to be able to cancel account online. 

If You could please get them to cancel my account it would be appreciated. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 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: TN

Complaint narrative:
In accordance with the fair credit reporting act 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.SC. 1681 section 604 A StateXXXX : it also states a consumer report agency can not furnish a account without my written instructions

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 2022-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is in violation of 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

TransUnion is violating federal law under 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) by not removing the inaccurate accounts from my credit report. Please see the attached dispute letter. Dispute letter was mailed certified on XX/XX/22 under tracking # 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 2022-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I went to XXXX XXXX dealership in XXXX on XX/XX/2021. I repeatedly asked and demanded the representative to not shotgun my credit. He disregarded my request and shotgunned my credit to all of his lenders. He was never given written consent to do this and he can not prove any written signature from me stating that I gave him permission to run my credit multiple times. I have repeatedly tried to take this information off of my Transunion report but Transunion refuses to cooperate with me. 

Transunion has actually not cooperated with any of my requests in regards to my credit report. They have stayed their company policy exceeds the federal law & Fair credit reporting act. I have demanded these inquiries off but they refuse to cooperate with me. I understand that i am the consumer & they refuse to work fairly with 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 2022-04-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have continuously tried to get these negative items off of my report. Also These bureaus are in violation of the XXXX XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: FL

Complaint narrative:
I have continuously tried to get these negative items off of my report. Also These bureaus are in violation of the Cares Act...

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 2022-04-21 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: Monterey Financial Services LLC
State: MO

Complaint narrative:
On XX/XX/2022 Monterey Collection Services XXXX XXXX at XXXX XXXX maliciously placed a {$4800.00} amount on my personal credit report with XXXX, XXXX and XXXX. They have NO supporting documents or any evidence or me owing the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCRA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting.

How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted.

Please delete these accounts from my credit reports since your company did not properly verify the information and the furnisher could not provide sufficient proof to prove their reporting. 

XXXX XXXX XXXX : Account number : XXXX, Date Last Active and Date Last Reported shows multiple dates ; also, each bureau showing a different High Balance. These are violations and I want this removed from my report. 

Last Active XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX Last Reported XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX High Balance XXXX {$37000.00} EQUIFAX {$81000.00} I hope we can resolve this issue without complaints to the Consumer Financial Protection Bureau and other agencies. 

Looking for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have mailed my documentation of late payments that have been forgiven. There still has not been a change in the status of my credit report concerning this. It is damaging my credit. This is a violation of 15USC 1681. I demand that this be removed immediately.

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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have mailed my documentation of late payments that have been forgiven. There still has not been a change in the status of my credit report concerning this. It is damaging my credit. This is a violation of 15USC 1681. I demand that this be removed immediately.

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 2022-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/2021 I signed up for a corporate funding package with XXXX XXXX XXXX I paid {$3900.00} upfront fee to have a corporation setup and some files and things put in place to help me qualify for corporate funding. I never received any corporation formation documents or anything pertaining to anything we discussed. I became suspicious after he never called to give me any kind of update and would only respond to my emails here and there. Once I got tired of the excuses and the game of cat and mouse, I officially asked for a refund in XXXX five or so months after I'd paid. He then stopped responding to me completely and I reported this to my attorney at legal shield and they sent the first collection letter XX/XX/XXXX and the second one XX/XX/XXXX because he never responded to it. In between all of that and filing this complaint today, I reached out to my bank Regions and asked if the could reverse the transaction because I was scammed out of hard earned money and it is causing financial hardship. They said that because I imitated it they could do nothing. I explained that I was swindled and needed there help in retrieving the money that I'd wired in good faith but was being deceived the entire time. This merchant has disappeared it seems with my money and is not responding to any letters, emails, or texts.

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 2022-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent Transunion all of the documents needed to show that this XXXX XXXX account is not mine. However it is still showing up on my credit.

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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2022 I pulled my credit reports and noticed several accounts Transunion and XXXX are reporting inaccurately. On both credit reports XXXX and Transunion are reporting inaccurate and unverifiable late payments on 4 accounts. on XX/XX/2022, I mailed Transunion and XXXX letters disputing this information and demanding verifiable proof that this information is accurate, up-to-date and true ( see certified tracking slips + letters attached ). I have never been late and I know for a fact I have never been late more than 30 days on any account I have ever owned. See exhibits attached. 

On XX/XX/2022 I contacted XXXX ( an account both CA 's are reporting inaccurate late payments for ) and I spoke with 2 representatives at XXXX XXXX EST, using number XXXX, XXXX and XXXX XXXX # XXXX in the Members Resolutions Department, regarding the alleged late payments. Both representatives CONFIRMED that the information is indeed INNACURATE. 


This information is inaccurate and hurting my credit worthiness. My rights are being violated when both credit reporting agencies are failing to ensure all information placed on my consumer credit report is verifiable and true. I don't appreciate my credit reputation being damaged in any way.

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 2022-04-21 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: GA

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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:
Experian is in violation of 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Experian is violating federal law under 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) by not removing the inaccurate accounts from my credit report. Please see the attached dispute letter. Dispute letter was mailed certified on XX/XX/22 under tracking # 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 2022-04-21 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: FL

Complaint narrative:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here is the detail of the late payment accounts, company name, balance & date last reported : XXXX  / {$0.00} / XX/XX/2018

Company response to consumer: Closed with explanation