vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 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: IL

Complaint narrative:
According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.

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 2024-05-18 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX ( Account # XXXX ) has violated my rights. 15 U.S.C. 1681 section 602A. states I have a right to privacy. 15 USC 1681 section 604A : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX ( Account # XXXX ) has violated my rights. 15 U.S.C. 1681 section 602A. states I have a right to privacy. 15 USC 1681 section 604A : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-05-18 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: AL

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. 

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: CO

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. 

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 2024-05-18 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: CO

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.

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 2024-05-18 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: NY

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, payment history, closed date and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 



These bureaus have not done a proper investigation at all on any of my disputes and should be held liable for the damages to my personal and financial life due to there lack of care for the consumer and the harm it causes them when they dont take there job seriously

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened a Chase savings account connected to my checking account. Rules were if I set up an automatic transfer from checking of {$25.00} or more per month there would be no fee. They asked for a name for the transfer I supplied XXXX. 
These appeared as XXXX XXXX for a couple months - {$100.00} of every deposit In XX/XX/2024 there were 5 such automatic transfers, only the description changed to Online Transfer with the first XXXX transfer and that has continued into XXXX. 
On XX/XX/XXXX my account was charged a $ XXXX  Monthly Service Fee. 
After a long time on the phone with them, including a transfer to a supervisor, I was eventually told that I was charged the fee because my transfers appear to be one time online transfers and not automatic transfers with no explanation as to why they are still coming out automatically on the date of every deposit and not initiated online by me - its still Chase doing them, but the supervisor refused to admit this or offer any help as to how to fix it. 
She said she was reversing the fee as a courtesy and also that she was initiating an investigation but refused to tell me ( when I asked ) whether or not Id be told the results of that investigation. The most she would commit to was to put a note in that Id requested to be informed. 
She was unable or unwilling to offer any idea how to fix it going forward. 
Honestly I care far less about the XXXX  dollars than I do about this nagging suspicion that a whole lot of Chase accounts have this happen after a few months-when people arent paying attention any more as its clearly a programming issue on their end She also, by the way, blew off my question about where in the government I could complain about this by saying they would file that complaint for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-18 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: CO

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.

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 explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was charged {$35.00} for return check that was my first time on XX/XX/year> and I paid them back still after being customer for seven years would not reverse service charge

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CA

Complaint narrative:
I applied for an application for rent and paid the application fee for XXXX XXXX in XXXX. I was charged XXXX for a deposit that I did not select. I had my husband call and let the company know there was a mistake. They canceled my application. Refunded me the application fee but not the deposit. I contacted CashApp to dispute the charge and they denied it. 

I called today to get clarification and was first hung up on. I called again to speak to someone else who could not give me any info. When I asked what the policy was for disputes repeatedly, I was told the same canned response - Someone will get back to you via email. 

I asked again where to find the policy and was hung up on. 

I just want my money back. And cashapp is not properly investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: CO

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.

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 2024-05-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
{$650.00} was unauthorized and transferred to an account without my knowledge in the wee hours in the morning according to Money Network Bank. Since I had caught the transaction early ( hours after same day ) they had a chance to stop it before it successfully transferred ( it takes 3 days to transfer ) they still had to do their fraud investigation. I kept in contact with them of course the whole time from XX/XX/year> when it happened til I got the denial letter XX/XX/year> I kept getting the run around. Some employees said it would take 44 days, some said it takes 90, some said I should get a check in the mail and that it has been solved along with a letter. I was also mailed another card but couldn't activate it an was told that I shouldn't have never been mailed a new card. I got mailed papers to fill out so I can get temporary pay until the investigation was over. I emailed that in and I was told I should get a card or check within 3-5 business days and never recieved anything. I am not the only person this has happened too. I've XXXX  it and they're hundreds of people going through the same thing with this bank. I am not going to let them take my money. When they canceled the transaction before it got transferred to where ever so it should have automatically been given back to me. It doesn't make any sense to why I can't get my money back. I'm on maternity leave I have a XXXX an I'm behind on rent and bills and them taking my money an denying my claim when I didn't make that purchase, authorize a transfer or anything and it was canceled before it can even be transferred.

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 2024-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Auto Finance has illegally reported information to the credit reporting agencies and I have repeatedly asked for the removal of such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NY

Complaint narrative:
I am confident that I always pay on time. What I don't understand is why this company is marking me as late for some months. Under USC 1666b, any billing errors must be corrected, or they will owe me {$1000.00} per account for inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: PA

Complaint narrative:
Hello, I am connecting with you guys about some unrecognizable accounts that I found listed on my credit report. The accounts listed below need to be removed due to not having any knowledge of their existence. I am a victim of Identity Theft. I do not recognize any of the accounts that Ive listed in this letter. I reported the theft of my identity to The Federal Trade Commission, and I do obtain enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am politely requesting the removal of the items listed on this letter. Thank you in advance for your teams help. Take care.

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 2024-05-18 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: PA

Complaint narrative:
Hello, I am connecting with you guys about some unrecognizable accounts that I found listed on my credit report. The accounts listed below need to be removed due to not having any knowledge of their existence. I am a victim of Identity Theft. I do not recognize any of the accounts that Ive listed in this letter. I reported the theft of my identity to The Federal Trade Commission, and I do obtain enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am politely requesting the removal of the items listed on this letter. Thank you in advance for your teams help. Take care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: MO

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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MA

Complaint narrative:
I am confident that I always pay on time. What I don't understand is why this company is marking me as late for some months. Under USC 1666b, any billing errors must be corrected, or they will owe me {$1000.00} per account for inaccurate reporting.

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 2024-05-18 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: CA

Complaint narrative:
I am against this algorithm XXXX XXXX. The scoring system does drastic things from XXXX day to the next, even though a person 's situation has improved it can wreck havoc across your credit report in a negative way. For example when the system on XXXX XXXX was implemented from XXXX to XXXX, my credit score dropped XXXX pts immediately without any explanation, and more recently this is my same complaint. I had a XXXX credit score across 2 bureaus, XXXX and Equifax, for over 8 months straight without change. I opened a chime checking acct and my score increased XXXX pts I opened a XXXX XXXX XXXX acct, and it climbed another XXXX pts. I thought this is great, I am finally on track to improving my score, also I connected that credit builder acct to XXXX XXXX to get added benefits. I then opted out, and sent in a police report to clear off one of the debts listed. So in less than 60 days, I opened a checking acct, credit builder acct-paid off some bills, removed one debt off the report, and opted out. All of these things were recommended by XXXX XXXX, I was awarded a higher score for about 13 days, and I was happy to be clearing these things up. XX/XX/XXXX I wake up to an email from XXXX XXXX saying that my credit score changed, my score had plummeted XXXX pts. across both bureaus and there was absolutely no reason for it. No negative changes can be seen on either end, mine, or the XXXX computers. They gave me some excuse about it being an algorithm out of their control and stated it doesn't matter what I do to try to increase my score, because it's all based on an algorithm. This algorithm is ruining my life and no one can tell me why or stop it. I also reached out to XXXX without any response. I have escalated this with XXXX, but I feel this is beyond their control, they are subject to this algorithm as well. I need help, this has to be affecting more people than just me. If a person CAN NOT affect change regarding their own credit score, then it seems like a trap that one can not remove themselves from. I'm like a rat in a trap who keeps struggling to get out but no matter what I do it's ineffective. I should be made available all of the information they are using to make determinations regarding my score which severely affects my life and the ability to live in society as others do, it is my information after all.

Company response to consumer: Closed with explanation