vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2024-04-04 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: WV

Complaint narrative:
These inquiries were not authorized by me.

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 2024-04-04 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: CO

Complaint narrative:
On Friday XXXX XXXX a banking error occurred with XXXX XXXX  in an attempt to make a {$500.00} cash advance withdrawal with a banker named XXXX XXXX XXXX at XXXX as the transaction was approved by CHIME the bankers computer system crashed. When the banker rebooted her computer system any record of the {$500.00} cash advance was not found in the XXXX computer system, as such customer XXXX XXXX was not dispensed the funds reflected on his CHIME account as being taken from his account in the amount of {$500.00}, the funds were not dispensed by XXXX XXXX. XXXX XXXX  advised customer to file a dispute with CHIME, a letter was provided by XXXX XXXX  showing evidence the {$500.00} was not dispensed in an attempt to have CHIME return the non dispensed funds in the amount of {$500.00} to his account. On XXXX XXXX a dispute with CHIME was opened and the customer received notice XXXX day later on XXXX XXXX his dispute was closed with very little information pertaining to why or what steps were taken by the investigation team at CHIME DISPUTES. XXXX XXXX XXXX believes his consumer rights are being violated as XXXX day to complete a thorough investigation is insufficient time to conduct a complete investigation in violation of their timeline as stated in their policies. Consumer XXXX XXXX believes CHIME is in direct violation of REGULATION E as the information provided to him as to the reason his case was denied and closed was not complete or lacking pertinent information ; no information regarding the investigation or actions taken were provided to the consumer. Consumer could not cancel the transaction as no record of the transaction was found in the XXXX banking system.The only information provided to the consumer were computer generated generic responses as provided along with the complaint. The consumer contacted CHIME dispute to re-open his dispute and it was put in rebuttal stage XXXX, on XXXX XXXX CHIME once again denied the complaint despite the evidence/letter provided by the XXXX XXXX  XXXX as witness that the consumer XXXX XXXX did not XXXX the {$500.00} on XXXX XXXXThe response from the CHIME DISPUTE team was once again a generic computer generated response with very little or insufficient information in regards to why the dispute was denied in violation of Regulation E. CHIME DISPUTE also prompts you to upload any documents to prove the case by sending a computer generated link, however the link is broken and non functional and they send you a message saying your message was UNABLE TO BE DELIVERED, despite message confirming the documents were obtained. CHIME refuses to correct this computer generated error that affects the outcomes of consumer claims in their favor. Consumer XXXX XXXX is filling this complaint as CHIME is in direct violation of consumer rights and Regulation E.

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

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had Fraudulent inquiries and accounts on my report. I have since made a police report at the XXXX Police Department for identity theft and fraud.

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

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current 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 or reseller. 

Account Name XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX Account Name : 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 2024-04-04 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current 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 or reseller. 

Account Name : XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX Account Name : 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 explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Good afternoon, My name is XXXX XXXX. I have been a capital one customer for over 5 years. I am deeply disheartened by how they illegally conduct business. 

I am a victim of Identity Theft and I submitted transactions that were not mine because I am FDIC insured against transactions that I did not commit. 

Capital One waits until the day before they're supposed to give me temporary credit to say my claim has been denied. 

I try to call them and ask them to do a thorough investigation and they do not. 

What they're doing is illegal! They purposely deny claims without properly conducting investigations and honestly, it's not fair or legal! 

Please reprimand them!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I've consistently maintained a record of timely payments for this account, avoiding any instances of overdue payments. The basis for the inclusion of late payment remarks on my accounts is uncertain to me. In accordance with 15 USC 1666b - Billing Error, corrections must be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Northstar Location Services, LLC
State: CA

Complaint narrative:
the debt collection company is northstar location services, XXXX ny. 
the amount they want is for {$300.00}. this amount is for a late fee at a XXXX credit card. the amount owed on the credit card ( I think the amount was for {$25.00} ) was paid by me on time quite a while ago, maybe over a year ago. but the credit card company kept tacking on late fee after late fee, although I called the credit card company several times to explain the issue. 
now this collection company, northstar, calls me every day, sometimes 2 or 3 times a day, sometimes at XXXX XXXX. 
I no longer have that credit card. I am XXXX tears old and would like to live my life without this constant harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Medical Administrators, Inc
State: OK

Complaint narrative:
First week of XXXX, I purchased a bottle of " XXXX XXXX '' gummies, because of the claims, '' good XXXX XXXX formula ''. The price on-line was {$36.00}. I later checked activity on-line and a charge showed that I didn't recognize under a name, not recognized I reported this to XXXX XXXX XXXX XXXX They closed this card under XXXX possible, XXXX ending XXXX, XX/XX/24 received ltr. from XXXX, stating : An error occured as asserted and applied a provisional credit while the investigation continued. No other word from XXXX, and I considered the matter closed. I have a Fraud alert on my credit bureau, because of Previous Fraud. Then on XX/XX/24 I get a letter from : National Medical Administrators , Inc. ph # XXXX to call because of a debt to XXXX XXXX XXXX XXXX XXXX. I called and it's a Collection Firm, to recover a debt XXXX. It was explained to me, that it was for the item I purchased, and I had gotten several comunications about this. That : I should have responded by a certain date, and I wouldn't have been charged with the above amount. I may have missed checking off a box or other fine print, but it seems to me, this scenario, is set up so people will Fail to respond so they can report you with a Scare tactic like this to damage your credit and force you to pay an exorbinate amount of $ $ for a product underhanhdedly. Their address : XXXX XXXX XXXX, XXXX, XXXX, Fax # XXXX nmacollections.com. I paid {$130.00} because of the " XXXX '' tactics, because I didn't want my credit affected. I never would have made a purchase like this, if I was aware of this practice. Gummies! Come ON! I was Not given any Options, I would have gladly paid the {$36.00}, because of the over-sight. This product and sight, is set up for People to Fail and then be pushed into this Deceptive outcome. I'm XXXX XXXX XXXX, and have Good credit, and have had Fraud against me. My credit card account was shut down, because I thought it was Another Fraud attempt. Also, XXXX XXXX XXXX Cobra, is working under the name : National Medical Administrators , Inc. , to me for a deceptive purpose. Thank you for listening, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hello my name is XXXX XXXX, and I am writing this in hopes of getting a late payment removed. I do not recall making the payment late, However it can be an oversight. For 4 years I have never been late on the XXXXXXXX XXXX account. In XXXX of XXXX, there was a 30 day late being reported. 

I will like to know if this late payment can be reversed to current or paid as agreed as a courtesy. This late payment is hurting me from getting approved for other accounts. I will like if this can be removed. Thank You very much.

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 2024-04-04 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: WV

Complaint narrative:
These inquiries were not authorized by me.

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 2024-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.

Collection agency has not provided validation information under 12CFR 1006.34 ( b ) ( 5 ) but yet they placed a collections on my credit report.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

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 2024-04-04 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: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end. I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; DELETE THESE THINGS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  AND ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, l will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX ALL RIGHTS RESERVED WITHOUT PREJUDICE

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

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-04 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-04 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: CA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX XXXXXXXX original creditor XXXX XXXX credit card HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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