vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 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:
Subject : Dispute of Incorrect Late Payment Reporting and Request for Removal and Opt Out of credit reporting. 
I am writing to dispute incorrect late payment entries reported on my credit report by XXXX XXXX XXXX. I have attached copies of a congratulatory letter from XXXX XXXX XXXX and the title of the vehicle, both confirming that my account has been paid in full. Despite these clear indications that my financial obligations have been met, these erroneous entries have been reported, causing significant harm to my credit score and my overall financial health. 
This incorrect information is a direct violation of my rights under the Privacy Act of 1974 ( 5 U.S. Code 552a ), which safeguards against the unauthorized use of personal data. Furthermore, I am exercising my right to opt out of any further reporting by XXXX XXXX XXXX, as stipulated under 12 CFR 1016.1 ( a ) ( 1 ) ( 2 ) ( 3 ). It is also noteworthy to mention that I was never provided with an initial privacy notice by XXXX XXXX XXXX, required under 12 CFR 1016.4 ( 1 ) ( 2 ), which mandates explicit authorization before disclosing any nonpublic personal information to nonaffiliated third parties. 
Given these violations, I am requesting the immediate removal of the reported late payments from my credit profile. Additionally, I am asking for a fine of {$1000.00} to be imposed for each violation of my consumer rights, as these errors have unjustly damaged my credit and personal reputation. 
Please find attached the relevant documents, including the payoff letter and vehicle title, to substantiate my claims. I expect a response within 30 days confirming that these corrections have been made to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: PA

Complaint narrative:
Experian Failed to conduct an investigation within 35 days as required in accordance with FCRA 1681i ( a ) ( 1 ) ( A ) after I submitted my dispute via CFPB # XXXX on XX/XX/2024 and Experian acknowledged receipt on XX/XX/2024 and sent results of alledged investigation to me XXXX/2024, more than the 35 days required under Federal law. 
Experian appears to have ignored the TRUE basis of my dispute which is my PRIVACY RIGHTS are being violated in accordance with FCRA 602 which states I have a right to privacy. Additionally, FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without written instructions from the consumer ( XXXX XXXX ). 
My PRIVACY being violated is the sole basis of my dispute! 
I demand that all XXXX accounts that I disputed via CFPB # XXXX submitted on XX/XX/2024 .Experian acknowledged receipt XXXX XX/XX/2024 and violated Federal Law 15 US Code 1681i ( a ) ( 1 ) ( ( A ) for FAILING to conduct the investigation within 35 days as required in accordance with Federal Law. 
I demand that ALL ( XXXX ) accounts be deleted immediately. If all the accounts are not removed I Request the Procedures used that led to accounts to be verified along with the names of person ( s ) you spoke with along with their telephone numbers and addresses. I request this in advance and expect to receive the information within 15 days after your investigation is conducted in accordance with FCRA 611.

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 2024-04-14 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account Name : XXXX Account Number : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: FL

Complaint narrative:
accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX  # XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an 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 moreover 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 2024-04-14 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: FL

Complaint narrative:
accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX # XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an 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 moreover 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 explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stenger & Stenger, P.C
State: KY

Complaint narrative:
As stated with XXXX XXXX XXXX complaint with this office, now an attorney is trying to collect a debt that is wrong. Sent handwritten letter no response. Credit limit XXXX and they are trying to collect XXXX. This violated 15 usc FDCPA and FCRA as well as mail fraud and cohersion the or public ridicule with credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: ND

Complaint narrative:
I bank with Chime. I received someone else 's taxes in my account. Their federal return for {$6900.00} was deposited XX/XX/24. The state return for {$720.00} was deposited XX/XX/24. It was by no fault of my own. XXXX XXXX XXXX XXXX put my banking information in someone else 's file. I called Chime the same day on XX/XX/24 at XXXX to notify them that it wasnt mine and to please reject it. They told me they are receivers and not senders. They advised me to ask the IRS for their banking information. Which is an incredibly unrealistic request. I had already called the IRS on XX/XX/24 to notify them as well it was not mine. They were not able to just pull it back out. The IRS advised me to have Chime reject it. Which Chime had already told me they couldnt do. I reached out to the state of North Dakota to also notify them the taxes were not mine. I called Chime again on XX/XX/24 to ask again if there was anything we could do about getting the taxes out of my account. I have been working with the regional manager of XXXX XXXX XXXX XXXX to try to resolve it and get the taxes to their rightful owners. On XX/XX/24, 5 hours after I received my 30 day pay check for {$2200.00}, chime emailed me to notify me that they closed my account because they identified fraudulent loads. XXXX XXXX XXXX XXXX called me on the same day XX/XX/24 to inform me they found the rightful owner of the taxes. Chime closed my account stating I broke the direct deposit agreement. I called Chime again with the regional manager of XXXX XXXX XXXX XXXX so she could let them know it wasnt my fault and it was unknowing to me. In hopes they would reopen my account. I have no access to my funds and they keep telling me Im not eligible for a refund of my account. I have XXXX XXXX. This has been weeks. I cant buy groceries or pay daycare. I had to borrow money for my rent. I need the money totaling {$3000.00} that is rightfully mine and that I worked for. I had {$2600.00} in my checking account and {$440.00} in my credit builder. Chime keeps asking me for proof that I was the intended recipient of the North Dakota refund. I sent them a screenshot of the phone call date and time that I notified them they werent mine. They say their calls are recorded. In that phone call I told them they werent mine and to reject them. That should be proof enough! Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
To whom it may concern, my had my sister to passed away on XX/XX/XXXX, & then my niece on XX/XX/XXXX. My payment for Synchrony Bank ( Sam 's Club Card ) I had schedule a payment for XX/XX/XXXX. Unfortunately, I forgot I had changed banks and forgot to change the account information online. Synchrony called me with an automated system asking me to reach out to them on XX/XX/XXXX. I called and listened to the message it stated that my payment did not go through. 

The same day I called and made the payment with an associate of XXXX and on XX/XX/XXXX I received an email from them stating that I owed XXXX at XXXX XXXX, I knew that was not correct because the new charges would not be due until XX/XX/XXXX for XXXX shortly after I received another email stating they were processing another payment of XXXX which I did not schedule online as they stated I did however that was fine. I asked the repXXXX on XX/XX/XXXX when I called in to please not my account I apologized I had so much going on due to the death of my loved ones. She asked me to hold to see if there was going to be a late fee and if so call back and they would waive that. When she checked she stated there would be no late fee. 

However, today XX/XX/XXXX when I attempted to use my card Synchrony Bank had closed my card without any warning. The representative was as perplexed as I was she stated she would try to have the card re-open upon doing so she could not and said she was speaking with her supervisor. When returning to the line she said the supervisor said there was nothing they could do I would have to reapply. As I stated to the associated do you all understand this is affecting my credit and not acceptable. I have never been late or a payment returned, so you are telling me there is no room for error and you just close my card. 

I asked to speak with her manager and XXXX got on the line and stated due to the fact it was the end of the billing cycle XX/XX/XXXX if they see 2 return payments they have the right to close my account. I told her I have never had a return payment this was the first time and as she could see it was an error on my part not changing my banking information, so there is no late fee, there is no spending the card they just close the card. She stated yes and she could place in a dispute for me. As I stated to her look through my history, I normally pay before time and rather then on time. I am wanting them to re-instate my card and reach out to all credit bureaus before the hurt my credit.

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 2024-04-14 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:
Subject : Dispute of Incorrect Late Payment Reporting and Request for Removal and Opt Out of credit reporting. 
I am writing to dispute incorrect late payment entries reported on my credit report by XXXX XXXX XXXX. I have attached copies of a congratulatory letter from XXXX XXXX XXXX and the title of the vehicle, both confirming that my account has been paid in full. Despite these clear indications that my financial obligations have been met, these erroneous entries have been reported, causing significant harm to my credit score and my overall financial health. 
This incorrect information is a direct violation of my rights under the Privacy Act of 1974 ( 5 U.S. Code 552a ), which safeguards against the unauthorized use of personal data. Furthermore, I am exercising my right to opt out of any further reporting by XXXX XXXX XXXX, as stipulated under 12 CFR 1016.1 ( a ) ( 1 ) ( 2 ) ( 3 ). It is also noteworthy to mention that I was never provided with an initial privacy notice by XXXX XXXX XXXX, required under 12 CFR 1016.4 ( 1 ) ( 2 ), which mandates explicit authorization before disclosing any nonpublic personal information to nonaffiliated third parties. 
Given these violations, I am requesting the immediate removal of the reported late payments from my credit profile. Additionally, I am asking for a fine of {$1000.00} to be imposed for each violation of my consumer rights, as these errors have unjustly damaged my credit and personal reputation. 
Please find attached the relevant documents, including the payoff letter and vehicle title, to substantiate my claims. I expect a response within 30 days confirming that these corrections have been made to 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 non-monetary relief
Consumer complaint received 2024-04-14 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:
Subject : Dispute of Incorrect Late Payment Reporting and Request for Removal and Opt Out of credit reporting. 
I am writing to dispute incorrect late payment entries reported on my credit report by XXXX XXXX XXXX. I have attached copies of a congratulatory letter from XXXX XXXX XXXX and the title of the vehicle, both confirming that my account has been paid in full. Despite these clear indications that my financial obligations have been met, these erroneous entries have been reported, causing significant harm to my credit score and my overall financial health. 
This incorrect information is a direct violation of my rights under the Privacy Act of 1974 ( 5 U.S. Code 552a ), which safeguards against the unauthorized use of personal data. Furthermore, I am exercising my right to opt out of any further reporting by XXXX XXXX XXXX, as stipulated under 12 CFR 1016.1 ( a ) ( 1 ) ( 2 ) ( 3 ). It is also noteworthy to mention that I was never provided with an initial privacy notice by XXXX XXXX XXXX, required under 12 CFR 1016.4 ( 1 ) ( 2 ), which mandates explicit authorization before disclosing any nonpublic personal information to nonaffiliated third parties. 
Given these violations, I am requesting the immediate removal of the reported late payments from my credit profile. Additionally, I am asking for a fine of {$1000.00} to be imposed for each violation of my consumer rights, as these errors have unjustly damaged my credit and personal reputation. 
Please find attached the relevant documents, including the payoff letter and vehicle title, to substantiate my claims. I expect a response within 30 days confirming that these corrections have been made to 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 2024-04-15 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: OK

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>2024, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've contacted XXXX several times to dispute the reporting of a bankruptcy to my credit files and have yet to receive a resolution from XXXX. I am filing this complaint to request that XXXX delete this unverified, old and obsolete bankruptcy from my records with them off my credit reports with XXXX, Transunion and XXXX. I have previously disputed this bankruptcy record with the credit bureaus and they have verified the item as accurate several times, stating that the credit agencies had verified the information with the court. On XX/XX/2024, I contacted the U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX  via certified letter. On XXXX XXXX, I received the attached letter response from the U.S. Bankruptcy Court. According to the attached letter from the U.S. Bankruptcy Court, the court is not reporting this bankruptcy to my XXXX, Transunion or XXXX reports and the court has not verified, updated, or validated any information that is being reported. See attached confirmation of this information from the U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX. This unverified bankruptcy is apparently being reported by third party record provider XXXX without any validation or verification that the bankruptcy information is accurate or up to date.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've contacted XXXX several times to dispute the reporting of a bankruptcy to my credit files and have yet to receive a resolution from XXXX. I am filing this complaint to request that XXXX delete this unverified, old and obsolete bankruptcy from my records with them off my credit reports with Experian, XXXX and XXXX. I have previously disputed this bankruptcy record with the credit bureaus and they have verified the item as accurate several times, stating that the credit agencies had verified the information with the court. On XX/XX/2024, I contacted the U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX via certified letter. On XXXX XXXX, I received the attached letter response from the U.S. Bankruptcy Court. According to the attached letter from the U.S. Bankruptcy Court, the court is not reporting this bankruptcy to my Experian, XXXX or XXXX reports and the court has not verified, updated, or validated any information that is being reported. See attached confirmation of this information from the U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX. This unverified bankruptcy is apparently being reported by third party record provider XXXX without any validation or verification that the bankruptcy information is accurate or up to date.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: OH

Complaint narrative:
My loan was opened on XX/XX/XXXX accord to my report. Date of first delinquency would be 120 days later on XX/XX/XXXX. Closed on XX/XX/XXXX. I have tried to dispute this and they keep telling XXXX that its accurate. I have NEVER made a single payment to mohela. It has been over the 7 year requirement. They legally have to delete this. I did the XXXX XXXX XXXX and qualify for deferred payments for the first year through XXXX and I am currently paying XXXX a month on them. So the loan was transferred, but a transfer does not reset that clock. It already came off the other 2 credit bureaus. This is preventing me from accessing necessary credit that I DO qualify for. The green checks in the screenshot are not accurate, as i said, Never made the first or any payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
Several transactions where charged to my account between XXXX during which time I was XXXX  and did not give authorization to anyone to use. There's was a total of XXXX transactions made chime made XXXX separate dispute tickets all of the transactions on the XXXX dispute ticket where paid immediately the XXXX dispute is unresolved and should have been resolved on XX/XX/2024. I've contacted customer support numerous times, they tell me they will escalate my case and within 3 days I should get an update. Still no updates, I'm never able to speak to an XXXX regarding my dispute, I'm ignored. I do have supporting documents which I sent to chime.

Company response to consumer: Closed with explanation