vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-12 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 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 if 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 non-monetary relief
Consumer complaint received 2023-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
I saw a transaction listed on my Chime checking account that stated I was charged {$1000.00} on Wednesday, XX/XX/2023 at XXXX from merchant 'XXXX XXXX XXXXXXXX XXXX XXXX   I never authorized or made this purchase and I do not know what this transaction is. What was worse was that I received a fraud text alert if this transaction was authorized and I tapped NO! I received a following response that this transaction was declined. However, it still showed pending on my account. I contacted Chime the same day, XX/XX/2023 to see if the payment was going to be canceled. A chime representative told me, " since the transaction is still pending I must wait until the payment is either processed and no longer shown as pending to file a dispute or if it indeed does become canceled ''. 
2 business days later the transaction was indeed complete and the money taken out of my account. I immediately contacted Chime customer support and filed the dispute.

However 3 business days later Chime completed their " investigation '' and denied my dispute.

This transaction was fraudulent and I have never given anyone my account details or debit card number or authorized anyone to make a purchase on my behalf. Since learning of this fraudulent transaction I contacted Chime support and deactivated my debit card and received a new card with a new number. I changed my pin and I set up transaction alerts so I will receive a notification on my phone when a purchase has been made on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: OH

Complaint narrative:
in accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE

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 2023-03-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-12 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: WI

Complaint narrative:
I sent the credit Bureau ( EXPERIAN ) letters asking them them to verify the fraudulent items on my report. Each time they update the file stating that everything is verified correctly. My credit report is still showing inaccuracies.15 U.S.C 1681s-2 ( A ) ( 1 ) ( B ) 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. 
Accounts are below. EXPERIAN is the only CRA reporting this! XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX The credit Bureau XXXX EXPERIAN ) stated my account was properly investigated but how is that possible if the items don't belong to me nor does the information that there reporting is accurate. Nothing about these accounts are accurately accountable to be on my credit report. This is ground for removal, they also violated my rights under 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 1681 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. 
I sent my last dispute on XX/XX/23 certified mail. Tracking # XXXX : My Attorney General in Wisconsin is involved also, they are the ones that told me to pursue litigation as they are investigating all CRA 's in my behalf. Paperwork from them will be included as well as Experians negligent 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 explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Netcredit is reporting incorrect amounts due to XXXX causing me to ot be approved for a y addiction assistance and loans for other company based on thr negative deragotory remarks netcredit has placed on my personality file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I got a car loan from XXXX XXXX but they charged me twice when I contacted them they said that they refunded my money but there is nothing my account went to the negative amount after that I contacted my bank which is Chase bank to dispute one of they do nothing they are acting like scammers.I am tired of dealing big these liars. I need my money to pay other bills My Chase account number is XXXX XXXX account number is XXXX Total Amount is {$59000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: AL

Complaint narrative:
Please change this account status as it is not in collections. This account is paid in full, closed, and no payment is due. Payment history shouldn't show in collections or charge off. Please remove deragtory payment history, remove incorrect remarks and incorrect account status remarks please. Please report corrected information to all 3 bureaus as soon as possible. Thank you.

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 2023-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/2023, I attempted to make 2 purchases at a vending machine at a hotel. One for {$3.00}, and the other {$2.00}. I machine did not distribute the items I selected and was still charged. There was no phone number or any information on the machine to contact the merchant, I even inquired about that at the front desk of the hotel, and they had no contact information for me. I reported this to Square Checking, and they refuse to refund my money becasue I have no receipt or other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: Applied Data Finance, LLC
State: WI

Complaint narrative:
I have sent this company an FTC fraud report allowing them to see that this loan doesn't belong to me. Personify Fiancial is breaking many FCRA laws.

15 U.S.C 1681s-2 ( A ) ( 1 ) ( B ) 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.

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.

PERSONIFY FINANCIAL- Acct # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I have also filed a Dispute through the XXXX  Dispute and Currently have my states Attorney General looking into this matter as well as others. We as consumers have rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Upon reviewing my most recent statement posting my birthday, XX/XX/XXXX I noticed I was charged interest for Cash Advances {$0.00}. Remembering the Credit Card Accountability Responsibility and Disclosure Act of 2009 this can not be happening. I looked back at 5 previous statements and have made over {$500.00} in payments while my credit line was less... therefore in compliance with the Card Act, there should be no more interest on cash advances, yet they have been charging me monthly for it.. 

The CFPB and the Office of the Comptroller of the Currency needs to launch an investigation into this because I am certain millions of consumers are being taken advantage of by Capital One due to this discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: NV

Complaint narrative:
On XX/XX/2023 I requested that the late payments being reported on my account be updated. You have disregarded my request. I reviewed my consumer reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : [ # XXXX ] Please provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER Late. If you can not provide proof you will be in violation of FCRA 15 USC 1681e ( b ) and I will reach out to my lawyer and will seek further action per violation.

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 2023-03-12 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: NV

Complaint narrative:
On XX/XX/2023 I requested that the late payments being reported on my account be updated. You have disregarded my request. I reviewed my consumer reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : [ # XXXX ] Please provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER Late. If you can not provide proof you will be in violation of FCRA 15 USC 1681e ( b ) and I will reach out to my lawyer and will seek further action per violation.

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 2023-03-12 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: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2023 I requested that the late payments being reported on my account be updated. You have disregarded my request. I reviewed my consumer reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : [ # XXXX ] Please provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER Late. If you can not provide proof you will be in violation of FCRA 15 USC 1681e ( b ) and I will reach out to my lawyer and will seek further action per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: EQUIFAX, INC.
State: OH

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
86

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
All these unknown addresses I want to remove that from my report all these credit that I want to remove after my report all of them I did not give them written permission to sell 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 2023-03-12 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: OH

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

86

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 2023-03-12 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: Experian Information Solutions Inc.
State: OH

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

86

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 2023-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC

Complaint narrative:
Heartland ESCI a federal loan servicer has allowed their security certificate to lapse exposing us borrowers to data risks. The certificate has been expired since XX/XX/2022 and even when choosing to navigate to the website without this security measure in place ( because I absolutely need to ), I am unable to as the website is down. It's no surprise their payment processing and automatic debits are still working well. I have been making payments through this whole student loan stoppage and now can't access my interest tax forms because of their failures. Can't even log into an account to stop the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have asked a newness at times to remove this from my dad that these are not my addresses and I did not make this debt and it continues so I want all of this removed and I never gave them permission to I asked him for the original debt my written seal and they can not provide it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation