vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 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: TN

Complaint narrative:
I was scammed by someone acting like chime bank. They got into my phone and transferred money to someone I don't know. {$900.00}. Chime is refusing to give it back. I need my money back please! Chime will not do a good investigation and this is hurting me financially and emotional.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Self Financial Inc.
State: OH

Complaint narrative:
OPT OUT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. States that I have the Right AT ANY TIME to OPT out of ANY PERSON reporting on my consumer report. The Law also states that I have a right to privacy per the Privacy act of 1974 and a right to be forgotten under Article 17 of The General Data Protection Regulation ( GDPR ). Per the FCRA as a federally protected consumer i am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and non verbal per 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A 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. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Incorrect payment history is on this report. Please have the creditor KOHLS/CAPONE delete report from credit history. 

Incorrect payment history shows a current payment in XXXX yet Closed account in XXXX. Ive filed this dispute and they have refused to delete inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax is again reporting " Date Major Delinquency 1st Reported : XX/XX/XXXX '' for two accounts that are 100 % paid off and were closed in XXXX. Date of First Delinquency XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for XXXX. I disputed this and specifically wrote " The lender is reporting accurately. Equifax is the one reporting incorrectly. '' Instead of fixing the error, my dispute was completed and it stated the lenders verified the information as accurate. Which is what I specifically wrote in my dispute. This is causing my XXXX score to be suppressed because they count as a " late payment in the last 30 days '' when in reality the accounts have been closed for over 6 years at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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: GA

Complaint narrative:
I need to urgently address a critical matter concerning my consumer report with EXPERIAN. Regrettably, there are accounts listed on my report that stem from identity theft. None of these accounts are connected to any transactions I authorized, and I have not gained any benefit from these reported activities. My attempts to rectify this issue have been diligently undertaken. I've submitted written correspondence to Experian, accompanied by irrefutable proof of my identity, an official identity theft report, a detailed identification of the erroneous information, and the requisite legal statement. According to the law, Experian is mandated to promptly block and completely remove these misleading accounts within a maximum of four business days from the receipt of my notice. The urgency here can not be overstated. After Experian continues to ignore the facts and the law i have tried another way to appeal to them by sending the metro 2 facts that these accounts arent even being reported properly in that regard to remove them still to no avail. Here I am now I seek the immediate rectification of this matter to prevent any further complications or implications arising from this inaccurate reporting. Your swift attention and resolution to this situation are greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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: Nelnet, Inc.
State: OR

Complaint narrative:
debt forgiveness due to XXXX a XXXX does not begin on the date of its award... 

Veterans are put through years of struggle, extreme poverty, homelessness while waiting for their cases to be determined. 

i put in for my total and perminent XXXX in XXXX... i was awarded XXXX  % XXXX in XXXX. Some veterans wait even longer Companies and reporting agenies file reports that destroy a veterans credit while they endure the long wait for a decision to be made. They are held to a standard that they can not maintain due to XXXX  and XXXX  XXXX. They are punished for not being perfect. 

In the end they are awarded and declared XXXX... the award is often backdated to compensate and recogognize the duration of that veterans XXXX. 
Their debt is discharged but the veteran is not made whole. 
Companies dischrge the debt but not the ledger. They continue to report negatively and cause the veteran great harm. they continue to be held to the standard of perfection as their XXXX are ignored XXXX of debt due to XXXX should reflect the entirety of the veterans XXXX... 
If the debt is truly discharged... the ledger or payment history should be too A Company that continues to file negative reports against a veteran after they have dicharged the debt should be held liable for the damage they are doing the veteran should be made whole why is this abuse allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: P&B Capital Group, LLC
State: OH

Complaint narrative:
OPT OUT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. States that I have the Right AT ANY TIME to OPT out of ANY PERSON reporting on my consumer report. The Law also states that I have a right to privacy per the Privacy act of 1974 and a right to be forgotten under Article 17 of The General Data Protection Regulation ( GDPR ). Per the FCRA as a federally protected consumer i am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and non verbal per 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A 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. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: MO

Complaint narrative:
By request all new complaints will forwarded to the FEDERAL TRADE COMMISSION and there now is a major investigation. Experian has now stolen almost 20 months of on time never late payments to XXXX and refuse to give them back SO THEY CAN PUSH CREDIT CARDS AND LOANS ALL OF WHICH ARE WORTHLESS IN FACT MOST CREDIT CARDS THEY PUSH ARE IN BAD STANDING WITH THE CFPB AND THE 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 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime stole my money from my account! Account was closed XX/XX/2022 Its a long list of complaints from this company in which I wish I looked before I made this account! I provided all the details that they requested! Also got lied to over the phone several times and hours throughout the day! I just want my money back. I also got an offer over the phone from them to give me my account back but they continued to lie through emails. Im sick and tired of this! I need my money back! I keep calling and all they do is lie about a closure check being sent and Ive never received anything. Ive provided so much information and still nothing! Im frustrated and heavily regretting this!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b 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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 a, it is emphasized that consumer reporting agencies such as Equifax and XXXX must exercise their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I am protected under 15 USC 6801, which states that financial institutions have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information. Moreover, 15 USC 1681 section 604 a section 2 states that consumer reporting agencies can only provide a consumer report with the explicit written consent of the consumer. I have not given my consent for the furnishing of this information to credit agencies such as Equifax and XXXX. Furthermore, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their right to request nondisclosure. The entity providing information to credit agencies did not inform me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report without proper authorization. This information is being reported against the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is unlawful to furnish inaccurate consumer information to a consumer reporting agency. Equifax and XXXX are failing to maintain reasonable procedures as required by 15 U.S. Code 1681e, which is designed to prevent violations and restrict the furnishing of consumer reports to specific purposes. Lastly, as per 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 a, it is emphasized that consumer reporting agencies such as XXXX and XXXX must exercise their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I am protected under 15 USC 6801, which states that financial institutions have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information. Moreover, 15 USC 1681 section 604 a section 2 states that consumer reporting agencies can only provide a consumer report with the explicit written consent of the consumer. I have not given my consent for the furnishing of this information to credit agencies such as XXXX and XXXX. Furthermore, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their right to request nondisclosure. The entity providing information to credit agencies did not inform me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report without proper authorization. This information is being reported against the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is unlawful to furnish inaccurate consumer information to a consumer reporting agency. XXXX and XXXX are failing to maintain reasonable procedures as required by 15 U.S. Code 1681e, which is designed to prevent violations and restrict the furnishing of consumer reports to specific purposes. Lastly, as per 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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:
Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 a, it is emphasized that consumer reporting agencies such as XXXX and Experian must exercise their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I am protected under 15 USC 6801, which states that financial institutions have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information. Moreover, 15 USC 1681 section 604 a section 2 states that consumer reporting agencies can only provide a consumer report with the explicit written consent of the consumer. I have not given my consent for the furnishing of this information to credit agencies such as XXXX and Experian. Furthermore, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their right to request nondisclosure. The entity providing information to credit agencies did not inform me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report without proper authorization. This information is being reported against the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is unlawful to furnish inaccurate consumer information to a consumer reporting agency. XXXX and Experian are failing to maintain reasonable procedures as required by 15 U.S. Code 1681e, which is designed to prevent violations and restrict the furnishing of consumer reports to specific purposes. Lastly, as per 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited an investment check into my account on XX/XX/2024 for XXXX . My check went on hold I saw that my funds would be available today XXXX XXXX. However on XXXX XXXX Chase Bank locked my debit card and also restricted my account so that I am not able to use my account as I need to. Plus I had already been using my account find deposit money into my account sent my self money to my other bank institution and used my card for gas a couple of times and out of no where they just lock my account due to what I am still unaware of and I was not giving any updates or what the issue is. I was told Chase was a great bank however how can this be true when a Legitimate check is cashed and it clears and everything they hold it for the 7 days and when it clears I still cant access my funds and my account was just fine no issues! This came out of nowhere and Chase has no explanation as to why I can not access my funds!!! So I have XXXX dollars no issues cleared in my account with no problems and cant access my funds to do what I have to do for me and my kids future is absurd!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: OR

Complaint narrative:
debt forgiveness due to XXXX a XXXX does not begin on the date of its award... 

Veterans are put through years of struggle, extreme poverty, homelessness while waiting for their cases to be determined. 

i put in for my total and perminent XXXX in XXXX... i was awarded XXXX  % XXXX in XXXX. Some veterans wait even longer Companies and reporting agenies file reports that destroy a veterans credit while they endure the long wait for a decision to be made. They are held to a standard that they can not maintain due to XXXX  and XXXX  XXXX. They are punished for not being perfect. 

In the end they are awarded and declared XXXX... the award is often backdated to compensate and recogognize the duration of that veterans XXXX. 
Their debt is discharged but the veteran is not made whole. 
Companies dischrge the debt but not the ledger. They continue to report negatively and cause the veteran great harm. they continue to be held to the standard of perfection as their XXXX are ignored Discharge of debt due to XXXX should reflect the entirety of the veterans XXXX... 
If the debt is truly discharged... the ledger or payment history should be too A Company that continues to file negative reports against a veteran after they have dicharged the debt should be held liable for the damage they are doing the veteran should be made whole why is this abuse allowed?

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