vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: HI

Complaint narrative:
On XX/XX/XXXX my Chime checking account was unexpectedly closed after receiving an ACH direct deposit for $ XXXX for my husband and my XXXX joint amended tax return after waiting over 10 months for the IRS to audit and processor our return. I immediately contacted Chime to find out why a hold was put on account. They informed me I needed to send several documents to verify my identity. After sending all documents requested, including the 2 letters from the IRS one in my name and one in my husbands name, stating the amount we were to receive for our amended return. XX/XX/XXXX I received an email from Chime informing me they have decided to close my account, no reason why was given. After reading Chime 's terms/conditions when an account is closed they have 14 business days to send remaining funds to address on file. It is now XX/XX/XXXX I still have not received my check for the remaining $ XXXX that was in my accout. I've called every day spending countless hours trying to find out where my check is. Only to be hung up on repeatedly, transfered over and over, put on hold for 10-15min over and over, as well as having to give my personal info and explanation of my issue to each agent I was transfered too. On XX/XX/XXXX, I was told by a Supervisor at Chime that they were very sorry for what was happening and she didn't know why my account was closed after providing all documentation requested or why access to my funds was taken away after 2 days of being able to access. She would personally garantee that my closure check would be expedited and sent on XXXX XXXX. It is XX/XX/XXXX I still haven't received my check and noone can give me answers. My husband our 3 kids and I have been put into a major financial hardship over this, we have been with out power for over a month, we have fallen behind on our bills and for what reasoning did they have to close my account after giving me access to our money for 2 days then ripping it away. We want our remaing balance asap!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept 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 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept 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 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TN

Complaint narrative:
XXXX XXXX IQ Data International : XXXX Dispute : IQ Data International - Original lender : XXXX XXXX XXXX TX I'm writing to dispute the following information that appears on my XXXX consumer report. 

On XX/XX/2023, I called IQ Data to request itemized report for the debt listed on my credit that i was not aware of. XXXX XXXX the rep whom i was speaking to stated that he don't have to provide the information because i should not have broke the lease. I attempted to inform him by law that I he is required to provide the information and he stated he don't and will not be sending it to me unless i will pay the debt. i stated why would i pay for something that i didn't have knowledge of, reason i attempted to dispute once before. He transferred me to the supervisor twice but no answer either time. he did state that he can send me something that shows {$2600.00} but not the {$3000.00} because the additional monies is interest and he cant include it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: FL

Complaint narrative:
I recently submitted an application for a credit card with XXXX, which was unfortunately declined due to their adherence to the XX/XX/24 rule. According to this rule, I am purported to have opened five credit card accounts within the past five months. This, however, is not an accurate representation of my activities. 

XXXX communicated to me that my Transunion Credit Report indicated the presence of a credit card account with XXXX. While it is accurate that I maintain a XXXX XXXX XXXX account, I have never been consulted about or consented to the opening of a XXXX credit card associated with this account. 

Interestingly, the XXXX website highlights the availability of a credit card that does not necessitate a hard credit inquiry, stating : " No hard pull on your credit Your card is secured with the money youve saved with your Credit Builder Account Designed for building credit with responsible use '' It is my understanding that this credit card may already exist within their system and has been subsequently reported to the credit bureaus. I would like to stress that I have no interest in maintaining this card and wish to have it cancelled and its records expunged from the credit bureaus. 

Perusal of their FAQ provides the following information : " Cancel your XXXX XXXX Credit Card account by calling us at XXXX. Please note that once your card is closed, we will not be able to reopen that card account, though you may be able to open a new one in the future. '' In an attempt to rectify this situation, I have reached out to them five times via their provided contact number and sent multiple emails to XXXX. Regrettably, each time I have called, I have been informed that there is no available representative to assist me, and my emails have not garnered a response.

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 2023-05-19 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: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My loan keeps getting moved around as the mortgage companies keep getting bought out. First my loan was through XXXX then to XXXX then to Mr. Cooper and now Nationstar. Every single time my loan gets moved around, the month that their transition happens the new lender marks my mortgage as 30 days late. I have NEVER been late on my mortgage, it gets automatically taken out of my bank account every single month. Every time this happens I call the lender and they tell me there is nothing they can do and I have to dispute it on my end. This is negatively affecting my credit score for no reason and it's not fair that I suffer the consequences. I have no say in my loan being moved over when the mortgage company gets bought out and I have never done anything wrong. None of these companies have ever been willing to fix this and they have no explanations for why it keeps happening. To me this is illegal, I am paying every month exactly like I should and I get punished because they sell their company to another. I have been able to get a couple of them fixed but I have a new one from Nationstar and I absolutely have proof that I paid it and they won't reverse the late payment mark. I also have one from XXXX last year that has not been reversed that I have fought.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Delete these accounts now I didn't receive proper documentation from any of the companies as I requested and the 15 day timeframe they had has expired. Due to lack of proper communication I demand these accounts deleted immediately or I will file for litigation for my rights as a consumer have been violated and I am devastated by your lack of help to the consumer. My credit is very important to me and my rights are being violated and I am in a serious XXXX due to this situation, handle this matter to my liking or I will take further action to get the results I demand.

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 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: OK

Complaint narrative:
PNC sets extensive criteria for closing an account. Meanwhile, they charge {$7.00} per month for not closing the account. The bank should be forbidden to charge fees for or during closing an account. It is too difficult to sign onto their website and their system quickly signs me off automatically. It is very difficult to reach them by telephone and the representatives dont know what they are doing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-19 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, Has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666BB : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: TX

Complaint narrative:
There was a data breach which in fact my personal information was taken and distributed. Which in return accounts were opened without my consent or knowledge as well as inquiries being made. This has made my score go significantly down and caused trauma in my life I can no longer stay in a decent area because of bad credit or purchase a home. I was in the process of purchasing a home and now I have to place this on hold. Ive reached out multiple times to have them remove these accounts and inquiries but they state they have to verify with the lender first and never remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have been working on my Experian credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX and there is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-05-19 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: Self Financial Inc.
State: FL

Complaint narrative:
I recently submitted an application for a credit card with XXXX, which was unfortunately declined due to their adherence to the XX/XX/24 rule. According to this rule, I am purported to have opened five credit card accounts within the past five months. This, however, is not an accurate representation of my activities. 

XXXX communicated to me that my XXXX Credit Report indicated the presence of a credit card account with Self.inc. While it is accurate that I maintain a Self.inc Credit Builder account, I have never been consulted about or consented to the opening of a Self.inc credit card associated with this account. 

Interestingly, the Self.inc website highlights the availability of a credit card that does not necessitate a hard credit inquiry, stating : " No hard pull on your credit Your card is secured with the money youve saved with your Credit Builder Account Designed for building credit with responsible use '' It is my understanding that this credit card may already exist within their system and has been subsequently reported to the credit bureaus. I would like to stress that I have no interest in maintaining this card and wish to have it cancelled and its records expunged from the credit bureaus. 

Perusal of their FAQ provides the following information : " Cancel your Self XXXX Credit Card account by calling us at XXXX. Please note that once your card is closed, we will not be able to reopen that card account, though you may be able to open a new one in the future. '' In an attempt to rectify this situation, I have reached out to them five times via their provided contact number and sent multiple emails to XXXX. Regrettably, each time I have called, I have been informed that there is no available representative to assist me, and my emails have not garnered a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: I.C. System, Inc.
State: MD

Complaint narrative:
I, XXXX XXXX, hired XXXX XXXX  by contract to install floors in my home. They installed the wrong color grout on my floors and incorrectly installed molding ( other issues aside ). I ask XXXX XXXX to fix this as per the contract, and made 7 appointments for XXXXXXXX XXXX  to fix the problem. XXXX XXXX  failed to make these appointments without notice before the appointment. I called XXXX XXXX  the day before the last 3 appointments and confirmed the appointment with them, but they failed to show or notify me. For the last appointment, which I confirmed with them and I stated that I would dispute the charge of {$8400.00} if they did not show up. I had to take paid time of ( PTO ) for each of these appointments and had no PTO left to take off for additional appointments. 
I disputed the charge with my credit card company, XXXX  XXXX XXXX, and after several communications and document exchanges they refunded me the charge. XXXX XXXX  did not attempt to contact me or fix my floors per the contract until the charge of {$8400.00} was refunded. XXXX XXXX  offered partial compensation for the floors, but the amounts they offered would not cover the cost. XXXX XXXX then sent the information to IC Systems who then registered it with the credit reporting agencies as an unpaid overdue debt. 

This is not a debt! It is a failure of a contractor to fulfill a contract. I disputed this debt with XXXX and they would not reverse it as they confirmed it as debt. 

As you can see by all the documentation that I provided, this should never have been reported to the credit agencies as a debt. XXXX was also sent all this 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 explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX is reporting old addresses and demanding he will not remove. 
Address below is not inaccurate and I am demanding removal : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX CT XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA 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