vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I have been going back and forth with this bank that I had since 2018 I deposited everything into this account since I got it and I filed a dispute and I was suppose to get provisional credit I never got it I spoke with specialist manages I have a XXXX Tickets in process with this bank and Im not getting anywhere they are just feeding me lies no action Im tired of it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/23, I submitted disputes to TransUnion, XXXX, and XXXX regarding inaccurate information reported on my credit report. I provided detailed information on the accounts and highlighted violations made against my consumer report. Attached below are copies of all letters sent. 

It has been more than 60 days since the disputes were submitted, and to date, there has been no response from any of the credit bureaus.

Specifically, I am concerned about the following violations : Violation of FCRA 623 ( a ) ( b ) : Failure to mark the disputed account as disputed, as required by the Fair Credit Reporting Act.

Violation of FCRA 605 ( c ) : The reporting period seems to be in violation, as the date of last activity on this account is not reflective of the last payment date, as it should be.

Violation of FDCPA 809 ( b ) : Continuous failure to validate this collection account, as confirmed by the FTC opinion, further violates the Fair Debt Collection Practices Act.

These violations undermine the accuracy and fairness of my credit report, and their continuation is concerning. I request an immediate and thorough investigation into these matters and the removal of inaccuracies as required by law.

Your urgent attention to rectify these issues and respond to my disputes is imperative. I anticipate your prompt resolution in accordance with federal regulations.

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 2023-12-12 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: TX

Complaint narrative:
On XX/XX/23, I submitted disputes to XXXX, XXXX, and Experian regarding inaccurate information reported on my credit report. I provided detailed information on the accounts and highlighted violations made against my consumer report. Attached below are copies of all letters sent. 

It has been more than 60 days since the disputes were submitted, and to date, there has been no response from any of the credit bureaus.

Specifically, I am concerned about the following violations : Violation of FCRA 623 ( a ) ( b ) : Failure to mark the disputed account as disputed, as required by the Fair Credit Reporting Act.

Violation of FCRA 605 ( c ) : The reporting period seems to be in violation, as the date of last activity on this account is not reflective of the last payment date, as it should be.

Violation of FDCPA 809 ( b ) : Continuous failure to validate this collection account, as confirmed by the FTC opinion, further violates the Fair Debt Collection Practices Act.

These violations undermine the accuracy and fairness of my credit report, and their continuation is concerning. I request an immediate and thorough investigation into these matters and the removal of inaccuracies as required by law.

Your urgent attention to rectify these issues and respond to my disputes is imperative. I anticipate your prompt resolution in accordance with federal regulations.

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 2023-12-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
last month before XX/XX/20 I went to boa bank in XXXX location. 
I try to save my money in CD. Cuz now the interest is rate is pretty good. 
The banker name XXXX was helping me I told her I want to save my money in CD She told me theres other CD I can get which rate is higher than original CD. I trust her I said sure. Lets do it. she said I need to transfer money to an app. I start doubt it. I asked is this investment? Is it like stock I need to buy? Is it a risk? Is it more tax than original CD? 
Anyhow she said no. Its a CD and no risk and its not stock. 
I believe most banker are nice and will not lie to me So I trust what she said transfer my money to the app and follow her step and bought the CD her mentioned After a week I opened XXXX XXXX XXXX I see my money is dropping the price. I noticed thats not a CD. Its an investment. I couldnt sleep in few days and went back to XXXX. I asked her if this is normal? Her attitude was totally different and said oh my next client is coming. I said I just need 30 sec you anwser my question. She said oh I told you it is investment and dont worry its no risk. 
I felt scammed and betrayed and I am really uncomfortable with this situation

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found hard inquiries on my credit report that do not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: FL

Complaint narrative:
I sent a letter to all 3 major credit bureaus, demanding that they remove fraudulent inquires from my credit report. XXXX complied with my request, but XXXX and Equifax did not. I never authorized, nor was informed of these inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Person named XXXX XXXX withdrew {$6300.00} from my missing check. I went to the bank to report the fraud but wellsfargo denied as it was not fraud.

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 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I asked them in my previous letter to process a debt validation on this unknown alleged debt but they fail to provide any results. Therefore, I insist that they should delete this from their reord.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity froze both my NFL Visa and Amex Bread Cashback cards without warning on or around XX/XX/XXXX. I called in and was routed to an " Account Protection '' team, that told me I had to send in personal and confidential documents for their review in order to get my cards unlocked. I did that on or around XX/XX/XXXX. It's XX/XX/XXXX, and despite my multiple calls back, they still have not reviewed my documents or unfrozen my cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This company did not provide me with the adequate info to me to valid the account was mines. Between XX/XX/2023 the XXXX XXXX XXXX XXXX account was reported closed and they still didnt verify the account with my signature or verbal authorizing. They say they sent me info on the debt that i never received that I asked for proof of verification and validation on this account which I never made any agreement. 

They changed there name of the company to make this account look brand new that is misleading the item on my credit report which is a violation under the FCRA law. 
I have proof in the description below to show such inaccurate information that continues to get overlooked and bypassed. Also i wanted to state if they i owe this debt i never recieved a 1099 form from the irs to claim taxes on which is another 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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My score was pulled from all three bureaus and it was reporting my student loan and now when its pulled it was wiped from my credit report and there is no score. I called the XXXX XXXX and they haven't stopped reporting my file to the credit reporting agencies. So I called to ask them what happened to my student loan they couldn't provide an answer because they are supposed to report what the creditor reports to the bureau and it is reporting accurately just not on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My score was pulled from all three bureaus and it was reporting my student loan and now when its pulled it was wiped from my credit report and there is no score. I called the XXXX XXXX and they haven't stopped reporting my file to the credit reporting agencies. So I called to ask them what happened to my student loan they couldn't provide an answer because they are supposed to report what the creditor reports to the bureau and it is reporting accurately just not on 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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I certified mailed a copy of a police report, and FTC affidavidt along with a letter explaining accounts that are on my consumer report that are a result of identity theft. This letter also included verification of my identity. The law states that the credit bureaus have four business days the block these accounts from my report. The credit bureaus continue to break the law and violate my rights under FCRA by not blocking accounts that are a result of identity theft from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-12-12 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: SC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to follow up on my dispute regarding a hard inquiry on my credit report that was conducted without my explicit consent. After a thorough review of my credit file, I discovered an unauthorized inquiry into my credit history, resulting in a hard inquiry entry on my Equifax credit report. 

XXXX XXXX XXXX - XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Charge-off is considered a certificate of indebtness so it's now income and income can not be reporting to my report as you can see with my XXXX account XXXX is reporting as a charge off. According to 15 USC 1681b permissible purpose of consumer reports I didn't give these agencies written consent to add any inquires to my consumer report I did not give this authorization that is a violation of the Fair Credit Reporting Act. So all inquires need to be remove. Any it's illegal to report transaction. 15 USC 1681s-2 ( A ) ( 1 ) states " 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. As you can see each account has inaccurate information and each account need to be deleted from my credit report. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of the title. XXXX, Experian, and XXXX are not maintaining reasonable procedures.

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 2023-12-12 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-12-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-12-12 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: CA

Complaint narrative:
On XX/XX/2023, I sent a letter of dispute and requested validation for items I believe are incorrect or erroneous on my credit report. I received a letter TODAY from Equifax that they are unable to find a file with my information and they are stalling by asking for ID verification documents. These items, license and utility bill were sent in with the dispute so there is no way they can not find my file. 

Since it has been well over the 30 days to dispute, these items should be deleted from my 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Makes Cents, Inc. dba Advance.Cash
State: NJ

Complaint narrative:
They threatened to have me arrested yet never provided me with information regarding a court date, payment choices nor have they attempted to contact me prior to sending a threatening email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
NFCU denied me an extension of my credits on XX/XX/XXXX I requested that they retract my application. They ignored my request. 
NFCU has denied many times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and none this access to my securities was a benefit to me. However, NFCU accessed my securities yet denied me based on a inaccurate credit score reading from XXXX. I never got my consent to XXXX to report anything on my consumer report i report anything on my consumer report. 


Attached is my Adverse action letter and invoice sent to NFCU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation