vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OR

Complaint narrative:
I tried several times with several different checks to use their app to deposit checks. Not only did it not work, they refused to allow me to re-scan my check and said I need to go to the initiating bank. I don't have an account at these other banks and they charge me fees to cash their checks. 

Also, I tried to use their system to pay my rent but they tricked my landlord into signing up for a chime account and it screwed up my rent payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Never applied for an American express credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquires. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2024-02-27 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: ID

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2024-02-27 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: EQUIFAX, INC.
State: TX

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 XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXXXXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have been charged for a card and I havent received a card for the company and someone else used the card with my information so and they sold my information to a debit collector where is tho I feel like I dont owe it to them because they only reached out while I was at work when I called to discuss the matter they still did not help fix the situation. Capital one year of card was XXXX the amount they are trying to charge me is almost {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
on XX/XX/XXXX i dialed XXXX to connect with Mr Cooper loan servicing company. I got this number from my account on their website. After asking some security question to verify my identity I tried to speak with a service representative but the automated system would not allow - rather it sent me into an endless loop where is asked me questiona and would not allow me to speak with a service representative.

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 2024-02-27 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: NJ

Complaint narrative:
Account Name : XXXX  XXXX - XXXX I have concerns regarding the inclusion of these late payments on my credit report, and I believe there are discrepancies in the reporting process that warrant further examination. 

Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purpose of the consumer report, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer credit report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. '' I emphasize that I have not provided written instructions to include this account on my credit report. Did I give you written instructions to furnish this on my credit report? It raises questions regarding the legality of its inclusion. 

Furthermore, I draw your attention to the Fair Credit Reporting Act, 15 USC 1681 ( 2 ) ( a ) ( i ), Exclusions from a from a consumer credit report CLEARLY STATES ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term Consumer Report does not include ( a ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, This agency in clear violation 15 U.S. Code 1681 and 15 U.S. Code 6802 These laws state that its illegal to report transaction history without my consent, with I did not give to EXPERIAN or 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a dispute with Wells Fargo bank XX/XX/XXXX for unauthorized transactions on my debit card which was lost, the dispute agent said I would be receiving a final credit 2 business days after the items posted to account, its been over 3 months now and no credit and I have the transcripts, correspondence emails of the bank confirming the call and the credits were promised to me by the agent but they refuse to apply it to my account to this day.

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 monetary relief
Consumer complaint received 2024-02-27 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: NV

Complaint narrative:
In accordance with the ( FRCA ) 15 U.S.C 1681 section 602A States " I have the rights to privacy, and 15 U.S.C 1681 604A section 2 states " A consumer reporting agency can not furnish my account without my written instruction.

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 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I opened up a checking account with Huntington in XX/XX/XXXX due to their advertised promotion, " To qualify for a {$400.00} cash bonus, you are required to do ALL of the following : 1 ) Open a new, Huntington Perks Checking account during the promotional period between XX/XX/XXXX and XX/XX/XXXX. XXXX ) Make cumulative new money deposits into your new Perks Checking account of at least {$1000.00} or more within ninety ( 90 ) days from account opening. New money is defined as money that is not currently on deposit in any Huntington account ( except maturing personal CDs ). 3 ) Maintain an open account status in the eligible checking account for 90 days. '' I deposited {$1000.00} the day I opened the account. 
After I opened the account, I communicated twice with the bank to ensure the account was opened correctly with the right promo code and that I did not have to do anything further. I did this on XX/XX/XXXX with Huntington Employee XXXX XXXX XXXX XXXX. 
Sent : Friday, XX/XX/XXXX XXXX PM To : MY NAME XXXX Subject : RE : Question on new account that was opened XXXX There is no code needed for the promotion. You will get the bonus if you meet the requirements. XXXX XXXX XXXX Financial Relationship Banker XXXX  : SOME NUMBER HERE I specifically asked her to verify she did it correctly. 
From : XXXX XXXXXXXX Sent : Friday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX XXXX Subject : RE : Question on new account that was opened XXXX XXXX Not sure if you missed my questions in the original email. Given your computer crashed/hung while setting up the account the first time, I just wanted to ensure which program I am on. 
I contqcted Huntington Customer Service on XX/XX/XXXX since I had not received the {$400.00} and they took all of the information and opened complaint case number is ; XXXX. However, yesterday XX/XX/XXXX, Huntington called me to tell me that they can not do anything to resolve this and that I would have to go into the bank and speak with XXXX to get this corrected. Given I asked her to verify everything was good to go previously and have to take off work to do this I am very displeased. The bank should be able to investigate this and resolve this at a corporate level vs branch level. They owe me {$400.00} and are making me perform additional steps for no reason. This is either extremely poor customer service or complete fraud to not pay the {$400.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-27 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: IN

Complaint narrative:
I reviewed my credit report and noticed that the report credit has inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: IN

Complaint narrative:
I reviewed my credit report and noticed that the report credit has inquiries that I did not authorize.

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 2024-02-27 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: MA

Complaint narrative:
Dear Equifax, I hope this letter finds you well. I am writing to you regarding a matter of utmost importance and urgency that directly impacts my credit profile and financial standing. On XX/XX/XXXX, as per the correspondence I received from your esteemed organization via US Mail, it was confirmed that a XXXX account, erroneously reported on my credit profile, would be removed. This decision was based on the findings that the account 's presence on my credit report was in violation of the Fair Credit Reporting Act ( FCRA ) consumer protection laws. 

Despite your acknowledgment and the promised corrective action, I regret to inform you that as of today, this XXXX account is still reflecting on my credit report, as evidenced by a recent screenshot taken from my XXXX XXXX account, specifically showing my Equifax report. This continued reporting is not only inaccurate but also unfairly impacts my credit score and financial opportunities, thereby causing me significant distress and potential financial harm. 

Under the FCRA, consumers are protected against the inclusion of inaccurate information in their credit files and have the right to have such information corrected or removed promptly. Specifically, Section 611 ( 15 U.S.C. 1681i ) provides for the correction or deletion of any information found to be inaccurate, incomplete, or unverifiable. Additionally, Section 623 ( 15 U.S.C. 1681s-2 ) outlines the responsibilities of furnishers of information to credit reporting agencies, including the need to provide accurate information and to correct any reported inaccuracies. 

Given the clear stipulations of the FCRA and based on your initial acknowledgment of the reporting error, I hereby request immediate action to : Remove the erroneously reported XXXX account from my Equifax credit profile without further delay. 
Provide me with a written confirmation of the removal of this account from my credit report. 
Update any related records to reflect the accurate status of my credit information, ensuring that my credit score is correctly calculated without the impact of this inaccurately reported account. 
Failure to comply with these requests may be seen as a continued violation of the FCRA, potentially necessitating further action on my part to seek remedy through appropriate channels. 

I trust in Equifax 's commitment to uphold the accuracy and integrity of consumer credit information, as mandated by the FCRA, and anticipate prompt and decisive action to resolve this matter. Please do not hesitate to contact me directly at XXXX or XXXX should you require any additional information or documentation to expedite the correction process. 

Thank you for your immediate attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: NV

Complaint narrative:
I requested for an annual credit report and noticed that there was information on my credit report without my consent.

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