vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, 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:
in accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXXXXXX 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 also inquiry on my credit summary 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 XXXX 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 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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, 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:
in accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXXXXXX 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 also inquiry on my credit summary 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 XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: CO

Complaint narrative:
My name is XXXX XXXX I was thinking this time and my son wrote a negative letter to the bank and they closed my account for it which I told he understand but since they close by account they told me that it would take anywhere from 3 to 5 business days for them to send me the balance in my account when they close my account they sent me for the balance of my account was a bad check so it wouldn't cash so I called him back again and I told him that your check was bad and they said that they would expedite me another check so I can have it down to my account since my account was closed well since then I've had no contact with time and they keep sending me letters saying that I'm if I keep sending them negative letters time at all I have no contact with them they close my account I have no reason to talk to him so I haven't talked to him so I don't know where they're coming up with the negative letters whatever I've been waiting over a month for my check now you know and they're still not sending me my money in my account my account 's been closed for over a month but they won't send me my money they can send me the emails we'll close your accounts already closed it's been close for a month and I'm waiting for them to send me my money all my money. I actually put down the wrong phone number it's XXXX that's my phone number the phone number I have listed on here was incorrect but that's that's my correct number now XXXX that's my current number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX a report of a collection debt ( XXXX XXXX XXXX XXXX XXXX ) was placed on the Experian credit bureau file under my name. Upon discovery, the credit bureau provided inaccurate or misleading information that the consumer isn't sure where to send. The website and app show two different address and at one point no contact number. As a company that sells people 's information for profit to support their business, the consumer ( with the credit file ) is supposed to be allowed to contest every debt and all debts ( by the original creditor ) and under Fair Debt Collection Practices Act. 

Experian has already had a class action lawsuit against for providing wrong information and paid a {$22.00} XXXX dollar fine without admitting fault ; lack of accountability. In addition, XX/XX/XXXX article shows " Experian had identity thieves had worked out how to bypass its security and access any consumer 's full credit report armed with nothing more than a person 's name, address, date of birth, and Social Security number ''. This is not only concerning, the trust of the public are in the hands of a company that can not even do anything accurate to assuage Experian Credit Bureau is trustworthy, accountable as the company severely lacks, have distasteful policies and practices, and provides misleading information whether on the website or app. 

Every consumer has the right to dispute and needs the correct information vs misleading information that can be interpreted as " bad faith business practices '' or tactics used to delay/aid another company in collecting debts ; that violates due process. XXXX XXXX bought a debt after the original company ( XXXX  ) has already written it off the debt, and a third party company ( whom bought for less ) is wanting to make a profit, slander/libel your name publicly, and use all kinds of ridiculous methods to talk and use sneaky tactics against every day people. 

Experian must provide " accurate and current updated information about creditors/debit creditors '' as this provides/allows consumers to address alleged debts in good faith business practices unless they are supporting this unethical behavior which needs to be public awareness. By providing wrong, misleading, inaccurate information comes as Experian is in cahoots with XXXX XXXX which is not only unethical, it's dishonest and uncivilized.

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 2023-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: NY

Complaint narrative:
This attorney illegally took my state refund for a debt they purchased from XXXX. XXXX still sends me bills, This collection agency sent it to a XXXX, they went to court, had a writ of garnishment filed. I disputed it stating its credit card debt, they withdrew the writ of garnishment but still have my state refund. 
Original debt is. XXXX XXXX took XXXX saying I still owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: OR

Complaint narrative:
I have been attempting to reach out to Credit Karma about disputes needing to be filed on my XXXX XXXX 
I first reached out to Credit Karma on XX/XX/XXXX to attempt to speak with customer service after their live chat agents kept directing me to the email address. 
The problem, in short form, is this : There are 20+ fraudulent, unauthorized transactions on my debit card/checking account that occurred as a result of a lost/stolen debit card. I filed a dispute successfully for ONE charge in the app, but after doing so, the app would not allow me to file additional disputes, and kept directing me to the live chat if I needed to file more. 
Live chat agents are USELESS, and kept telling me it had to be done in the app through the process I used for the first - but again, it won't allow this, and still won't 11 days later. 
I made it very clear to Credit Karma agents that I can not call them on the phone- I am in the process of having pretty XXXX XXXX XXXX, and as a result, my XXXX XXXX XXXX XXXX and will be for months. I clearly, for obvious reasons, can not wait MONTHS to dispute these transactions and get the hundreds of dollars that was stolen from me back - nor can I wait that long to dispute transactions due to banking policy reasons, of course. 
I asked if there was a way for me to file the disputes besides the app feature, since it is clearly not working. 
I was told they can not file them over chat, and was given the email. 
In numerous emails Credit Karma claims they also can't file the disputes over email - which makes NO SENSE, I clearly outlined the dates, amounts, and vendor names of each transaction that needs disputing, just put the disputes in, it isn't rocket science! 
I was told the only way to do it is over the phone, which is not physically possible for me, I literally CAN'T verbally talk due to my XXXX. 
They claim to not have a mailing address to send forms/documents to file the disputes either. 
It makes no sense to me that in XXXX they don't have a single way to file disputes against fraudulent transactions aside from a terrible broken app function that won't work and directs me to - you guessed it, dispute over live chat! Which they are pretending they can't do! - or over the phone. 
This is extremely bad practice and I expect this company to do their job and allow me to submit these disputes and regain my stolen money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX al, XXXX Creditor. Experian Address XXXX, XXXX, TX XXXX Recently i looked at a copy of my credit report and noticed several inaccurate accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in intrest every year.it is my understanding that im entitled to a proper investigation of these items to insure accuracy. 


Here are the items im asking to be verify as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX  After your investigation is complete please send me the results via email. 

Thanks in advance, XXXX XXXX XXXX regards

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 2023-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CO

Complaint narrative:
My name is XXXX XXXX and when I was younger I was in an orphanage in XXXX Idaho and I had an account with US Bank in XXXX in my account my dad who is better he left me on death benefits when he passed away I had his death benefits in my savings in my savings account in US Bank no even though my bank was in XXXX I was under XXXX so I was in an orphanage in XXXX in Idaho so I didn't live in XXXX I was supposed to be able to get some money when I was XXXX that was I couldn't touch it until I was XXXX then I could withdraw it to be an adult so what happened was when I was in this orphanage US Bank in XXXX that some lady that didn't live with it wasn't really familiar with you know I didn't live with this lady had nothing to do with this lady they let her put her name on my checking account with US Bank and she completely cleaned out over {$15000.00} but Dad I didn't live with her I didn't stay with her I had no responsibility to her I was locked up at an orphanage and XXXX Idaho so I don't know how she got US Bank to let them put her name on my account cuz when they they let her do that all she did was she took XXXX and closed the account she stole all my dad 's death benefits and close the account I didn't live with her and no responsibility to her whatsoever I tried talking to you as bank and they told me that I'm not allowed to sue a bank I can't make a complaint against him I can't do nothing to a bank at all they're untouchable which is curry alike because now I see your website where I can make this complaint I'm sure the statue of limitations on this is right now but I would appreciate it if you look into it because put her name on my account and I don't know how I don't know how why they did that because this lady was not my mom she's not related to me she's not any part of my family she's no relation whatsoever so hopefully you do something about this but I'm sure you can but I just wanted to make this completely and because they let her put her name on the account I lost my dad said benefits so any information to give me would be appreciated Also the number I have listed on here my phone number is not XXXX my phone number is XXXX that's the correct cell number to contact me at 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 2023-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
XXXX XXXX XXXX has been harassing me for 10 years over a debit my lawyer settled. We had confirmation on settlement and they waited until 9 years to re open and sue me. They went into my bank account recently and removed over $ XXXX in a lein leaving me strapped to pay my bills and i had to take on a second job to help keep me caught up!! I re hired the same lawyer and he has not been able to ( nor have I ) reach a representative from this so called attorney office to discuss and settle the matter!!! I sat in with my lawyer as we called the offices listed and were put on hold indefinitely! How can I fix the problem when we cant get anyone to pick up the phones?? In the meantime they have my money!!! Im thinking its a scam but we cant prove anything since we cant get a response. I have less than 30 days to get this resolved itherwise they will charge off the money to them!! HOW CAN THIS BE LEGAL!!!????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX there were transactions that where supposed to be going to checking account XXXX and XXXX. However, ended somewhere else. I reported it to fdic and they said to forward it to consumers finance to further investigate and get all the transactions to the right accounts. There were other transactions that were supposed to go to the savings account of that same accountsof XXXX XXXX XXXX XXXX. 
Thanks

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 2023-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX I contacted citi bank because I could not log into my checking account through the app for several days prior. So once I spoke with a customer service rep they told me that my account is blocked due to a security fraud risk. Prior to me calling I was not notified via email or phone call. So I proceeded to ask whats the steps to regain access to my accounts and citi bank tells me I have to wait 5-7 business days for a letter in the mail to gain access to my account. I told them that is ridiculous because this letter can be lost in the mail and why isnt this letter expedited they tell me this is the only way. I explain to them this is my primary bank account and I have transaction that are linked to this account as well as money flowing in and they basically telling me I have to still wait 5-7 business days. Since then I had to cancel my car payment which is now late which was {$410.00} and I also have money on there I have to use so that my car is not booted and towed. So now my car can potentially be towed XX/XX/XXXX because I could not access funds to pay my bill let alone have money for food and other necessities. I called back XX/XX/XXXX to see if this process can be expedited they customer service rep was very XXXX as I was explaining I could lose more money if my account is not accessible immediately she basically tells me she haves to hang up. I am very disappointed in citi bank as a whole and now I am going to suffer because I can not access my funds. I feel that this letter should have been expedited especially if its the only way I can gain access to my account. Its already costing me money and extreme stress i can not access my account and was not notified about it until I called. I feel they should be responsible for the damages

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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have multiple hard inquiries on my XXXX report that I have no knowledge of and did not authorize any of these inquiries.

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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC
State: NY

Complaint narrative:
I have multiple hard inquiries on my XXXX report that I have no knowledge of and did not authorize any of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I applied for a credit card online, was approved and sent a card. I then received notice that they had my ssn wrong. I mailed in the required form. I recently found out they also had my date of birth wrong. I sent in copies of my ssn card and driver 's license to verify. I just discovered today that my card was closed without notification. My credit report Is also wrong. I've also sent in driver 's license and ssn to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I applied for a credit card online, was approved and sent a card. I then received notice that they had my ssn wrong. I mailed in the required form. I recently found out they also had my date of birth wrong. I sent in copies of my ssn card and driver 's license to verify. I just discovered today that my card was closed without notification. My credit report Is also wrong. I've also sent in driver 's license and ssn to equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
My car was illegally repossessed XX/XX/XXXX. I have made all of my payments. I gave Chase my bank statement showing the withdrawals/payments to them and permission to speak to my bank. I confirmed with my bank that money went to Chase and was cashed. XXXX told me they contacted me by mail about my XX/XX/XXXX payment having the wrong account number and how to fix it. I never received anything. Further, my prior lease was through Chase XXXX XXXX XXXX XXXX Ive had four leases for same model car with them. Regardless of what account number was in it my payments go to the same address/company. Chase knows theyve been accepting my payments since XXXX of XXXX but not crediting my account.They have all of their money and took my car. They have done nothing to correct this error and are treating this like a legitimate repossession.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a collection on my Experian report that is not mine. I tried to disputing it with the company and they said account was verified, even though I have no knowledge of this account and never even paid this account one time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief