vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 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: CA

Complaint narrative:
Subject : Dispute of Hard Inquiries and Fair Credit Reporting Act Concerns To Whom It May Concern, I am writing to express my concerns regarding the handling of my credit report disputes with Equifax. Since XX/XX/2024, I have been actively trying to dispute multiple hard inquiries on my credit profile that I believe are inaccurate and are negatively impacting my creditworthiness. 

Despite my repeated attempts to dispute these inquiries, I have found Equifax 's response to be unsatisfactory. It appears that they are not taking the necessary time or effort to conduct a thorough investigation into the matter. Instead, I receive updates shortly after my dispute submissions, which suggests to me that Equifax is not adequately reviewing the information I have provided. 

I believe that this practice is unfair and violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct a reasonable investigation into disputed items. By not taking the time to investigate the disputed inquiries properly, Equifax is not fulfilling its obligations under the FCRA, and I am unfairly being penalized as a result. 

I request that Equifax conducts a comprehensive review of my disputed inquiries and provides me with a detailed explanation of their findings. I also request that any inaccurate or unsubstantiated inquiries be removed from my credit report promptly. 

I appreciate your attention to this matter and look forward to your prompt resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 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 2024-04-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: CA

Complaint narrative:
Within a 30 day period first I got a netspend card just for my taxes. I had netspend for a long time. Got another card just for taxes only. They asked me a security question. Next two weeks Netspend sent someone a card with my name they changed my address and phone number with no security question. They were allowed to steal my income taxes. When I asked the CEO erased me from all database. I can no longer get activate or register a netspend card or any under that umbrella. Please help

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 2024-04-24 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: WV

Complaint narrative:
XX/XX/2024, I made the following Experian request via the CFPB portal : Case Number : XXXX " Since you wont provide the names of the XXXX XXXX employees that submitted the fake account application on XXXX please forward a copy of my Experian Collections file from each of your three FCRA compliant platforms. This will include the database where your provide cash/account balances. '' I have not yet had a response. 

After submitting this complaint I received through USPS a postcard indicating Experian was contacting XXXX XXXX to " disclose all relevant information regarding your dispute. '' I have not received anything but wanted to provide a letter for your review from XXXX XXXX. This is attached and will provide irrefutable evidence that XXXX XXXX employees accessed my XXXX on the false pretense that I submitted an account application and will not disclose their identity. 

If Experian would like a copy of the information used in the fake account application you are welcome to contact me. Their employees used a XXXX and a XXXX area code phone number to authenticate my identity. Maybe these have been used to authenticate identity for others within Experian. 

I look forward to your response and that of XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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:
It seems FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX - {$4800.00} In accordance with the Fair Credit Reporting Agency, the company listed above 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 602 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 non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
IM FILLING THIS COMPLAINT IN REGARDS TO THE ERRONIOUS AND INACCURATE ACCOUNTS REPORTED ON MY CONSUMER REPORT, IVE SENT A DISPUTE 30 DAYS AGO I WAS NEVER NOTIFIED OF MY RESULTS OR ANYTHING THESE CREDIT REPAIR AGENCIES ARE NOT UPHOLDING THE LAW ( FCRA+ FDCPA ) THIER DISREGARD TO FIX THESE ERRORS IS HURTING MY CHANCES AT CREDIT AND ALSO VIOLATION OF 15 U.S.C 1681 THE BANKING SYSTEM IS DEPENDED UPON FAIR AND ACCURATE CREDIT WHICH THIS IS NOT ITS EFFECTING MY LIVING CONDITIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My account ending in XXXX has a balance of XXXX there is not a problem with non sufficient funds, but I received a notice attached that it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: MS

Complaint narrative:
On XX/XX/year>, Onemain Financial decided to process a payment of {$300.00} on my Brightway+ card that wasn't authorized nor is the account associated with my card. The payment was processed causing my bank account to go {$370.00} in the negative creating a hardship on my family that's already struggling due to unemployability. I do not have any scheduled payments nor automatic drafts set up for this account. These said actions are deemed illegal and predatory. My debit card ending in XXXX that I always made payments with was not used. I personally turn off my card until I ger ready to make bill payments or purchase something. The company decided to use my bank account without authorization taking the info from my loan account. They took my checking account info from the loan account and used it on my Brightway account, processing payments when they want and how they want without authorization. Very unethical and unprofessional. The only Onemain account that has my bank account number for automatic payment is the loan account. 

Pay the overdraft fees and remove the checking account info for this Account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened my account with Bank of america ever since then they have been wrongly denying me my rights to my own accounts I asked for debit cards and never received any cards making it even harder to access my own money I am a mom with kids and need to have access to my money to provide my children 's basic needs they treat me differently then other customers everytime they emotionally caused me severe harm as their customer everytime I need access to my own accounts they give me problems to access my own money repeatedly its causing me and my children harm financially they treat me very differently then their other customers intentionally and never send cards for me to be able to access my money

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 2024-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX, at a Chase Bank in Georgia, I withdrew {$8000.00} from my chase checking account. I then used those funds to purchase a cashier 's check in the amount of {$8000.00}. Next to the purchase date, it reads VOID AFTER 7 YEARS. I was under the impression that it would be valid for 7 years, so I saved it for 5 years and 11 months. On XX/XX/XXXX, I went into a chase bank in XXXX, NC and tried to cash it. I was told by a bank employee named XXXX, that the check was not valid and could not be found in the system. Another employee XXXX, came to look at it. Both employees were unwilling to help and sent me out of the bank in tears, without any resolve. On Monday XX/XX/XXXX, I contacted and spoke to several chase customer service representatives. I was able to find out that chase canceled my cashier 's check and sent my {$8000.00} back to the state of Georgia, where I originally purchased it. The rep told me I had to contact the Georgia Dept of Revenue and request an unclaimed property search. I did so, also on XX/XX/XXXX. The XXXX  XXXX has not received any funds for an XXXX XXXX from chase bank. I then contacted Chase again. A different rep gave me an email to contact chase 's abandoned property department. I emailed them on XX/XX/XXXX, but still have not received any response from them. At the current moment chase has stolen/lost {$8000.00} of mine and my check is simply just a piece of paper. None of chase representatives have given me adequate assistance. I am reaching out in hopes that someone can please assist me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

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 2024-04-24 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:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

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 2024-04-24 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: TX

Complaint narrative:
THIS IS NOT A DISPUTE. THIS IS A CEASE AND DESIST ORDER AND SHOULD BE HANDLED ACCORDINGly. I previously sent this in and Equifax is treating it as a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex is reporting late payments on my account. This is inaccurate and against federal guidelines as outlined in 15UCC 166b.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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:
XX/XX/2024 To whom it may concern, On day XX/XX/XXXX, I looked at my report. I sent a letter to Equifax on day XX/XX/XXXX asking them to reinvestigate these accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and here is my tracking number : XXXX On day XXXX  XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. and according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Equifax really did not reinvestigation they lied on an offical document saying they did something they did not do and i have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Valon Technologies, Inc.
State: CA

Complaint narrative:
Valon Mortgage services a loan on property I own located at XXXX XXXX XXXX XXXX Ca XXXX number XXXX. On XXXX XX/XX/2024 at XXXX PDT I made a phone payment on said property. The prompt voice said if this payment was made on a weekend or holiday it would be posted the next business day. I was given a confirmation number of XXXX. The amount was XXXX. On or about XX/XX/XXXX I began receiving notice from the various credit bureaus that I had missed a mortgage payment. Further investigation revealed that Valon Mortgage had reported the negative entry as a missed payment. As a result of this reporting my XXXX score dropped XXXX points. I contacted Valon to try and explain what had happened. I was told to send an e mail to XXXX and provide proof the check cleared on Monday. I did that and provided the actual bank record. I had to contact Valon for an update and was told that even though I had made the payment the check had not cleared until Monday and they would not reverse their decision regarding the credit reporting and would not reverse same. I had made the payment with the 30 day window and had no control as to when Valon cleared the check. I request the missed payment credit entry be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NC

Complaint narrative:
My complaint is about the company Chime and the underlying financial institution The XXXX XXXX XXXX. I was made aware that my information was part of the recent XXXX XXXX XXXX data leak and that some of my personally identifiable information ( PII ) was available on the web, including the dark web. I got an email on the morning of XX/XX/23 welcoming me to Chime and that I apparently now had a Chime checking account with a debit card being mailed out " in the next few days ''. I DID NOT APPLY FOR OR REQUEST A CHIME ACCOUNT - THIS ACCOUNT IS UNAUTHORIZED AND FRAUDULENT. I called Chime to report the account as unauthorized and close the account. I asked Chime for the address that was on file for this account and they would not tell me what address was on the account, even though the account was opened in my name with all of my information. 

I informed Chime I was very concerned with the lack of controls around their account opening process, as it was very easy for someone to take a few pieces of information about me ( they at least had my name, email, phone number, and SSN ) and open an account with NO attempt to validate my identity - there was no 2-factor authentication, they did not have a picture of my identification, etc. I asked Chime how they can help ensure there are no further accounts opened in my name and they said if I see any future accounts opened up I should keep calling back to close them, which is NOT an appropriate method of customer due diligence. Because of how easy it was for someone to open the first account, I think it's highly likely further unauthorized accounts will be opened in my name. This is particularly concerning because Chime appears to approve account holders for credit cards with a {$200.00} deposit in the checking account, so someone would easily have taken out credit in my name due to Chime 's weak control system for customer authentication.

Company response to consumer: Closed with explanation