vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My Name is XXXX XXXX am writing to you in reference to the following : I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt.

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : The account is closed Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Account is fraudulent The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

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 2023-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
Please see specifically the loans below : I called ED Financial. However they do not see in their system that I have been late. However, on my credit report it shows 5 times late. They also agreed to send a letter stating so however, due to a back log of inquiries, they can not get it to me within the next 30 days and I am now currently trying to buy a building.

XXXX XXXX EDFINANCIAL SERVICES L XXXX XXXX XXXX EDFINANCIAL XXXX I have attached a copy of the credit report showing the incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In according with Fair reporting act XXXX  Accounts 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 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1682C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Everi Payments Inc.
State: TX

Complaint narrative:
The company involved XXXX XXXX XXXX XXXX located at XXXX XXXXMy main complaint is cash withdrawal fees.The fee that was supposedly charged was {$4.00} but when I got my statement on XX/XX/XXXX & XXXX XXXX the charged me extra fees of {$2.00} five times for each withdrawal. I made 3 withdrawal which come out to {$35.00} extra charged without me making a balance inquiry 15 times.I contacted my bank but he are unable to reverse charges.Everi is the name of the ATM machine which is run by XXXX XXXXI think this ATM exist in all casinos in Oklahoma, Louisiana & Mississippi.I did try to contact the company online but never got any response.This charges never existed before but I was wondering if it is common business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2022 I used the Chase drive-up atm machine on XXXX XXXX XXXX XXXX XXXX. I deposited crisp {$100.00} dollar bills and when the machine counted my money, {$200.00} was missing. I canceled the transaction thinking it would eject all of the money that I deposited but the {$200.00} was still missing. I drove around to the teller and she said I would have to call the 1800 number but she ensured me that it was not possible for my missing money to come out for another atm user. It was XXXX XXXX and I still needed to deposit the money so I deposited what I had and as soon as I got home I called the 1800 number. They deposited the missing {$200.00} into my account while they did an investigation. Then I got a letter stating that they were taking the money back because they could not find my transaction. I immediately called them and told them that there was no atm transaction because I canceled it to get my money back. I asked if they checked the atm machine for the money that was probably jammed in there and was told that they had no information on what investigation was done. After getting nowhere with them, I called my branch bank back and explained what had happened at their atm. The employee then called the same XXXX number back that I had already spoke to and this time they told me that they did check the atm machine and there was no money there. Either the money was ejected for another customer which they ensured me would not happen or whoever checked the machine found the money and it was not returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
I have another CFPB complaint that outlines what the main issue is and right now the other issue is Chase bank has not responded to my submission of evidence when they reached out to ask for me for more. I gave them what was required to negate the faulty evidence they were supplied by the seller which is causing me to lose {$6000.00} total due to this. I have reached out in calls and Secure Messages to Chase bank to follow up but have met only unhelpful support tech support calls and I have yet to receive ANY response on my Secure Message which has been going for almost 2 months at this point. I am including the documents showing their request for more evidence which I had submitted and my message I have sent early XXXX that is still without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: GA

Complaint narrative:
on XX/XX/2023 I dispute the amount of {$15000.00}, dates and status of account. I asked them to do a verification and they stated that everything was accurate. I then double checked and still found inaccuracies on the credit report. 

In accordance with the Credit Reporting Act XXXX  account XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A 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 2023-03-21 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: TX

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. 

Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number 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 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 2023-03-21 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: Experian Information Solutions Inc.
State: TX

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. 

Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number 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 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 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been in dispute with Citi Bank over an account takeover that took place on XX/XX/XXXX. I contacted Citi immediately on XX/XX/XXXX and XX/XX/XXXX. 

Since the account takeover, I have filed a police report and provided this to Citi Bank multiple times via phone calls on these dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and I have communicated with Citi Bank tirelessly via phone calls and fax that over {$15000.00} in unauthorized charges were taken out of my Deposit account on XX/XX/XXXX. As a result of Citi Bank allowing the Fraudster to act on my behalf as the consumer and allow the account takeover on XX/XX/XXXX additional unauthorized accounts were opened in my name, they applied for a personal loan, along with additional unauthorized funds transferred out of my account. I was notified of this by Citi once I was able to talk to a validated Citi employee and as of today, XX/XX/XXXX, I have not received any provisional credits based on Regulation E and Regulation Z. 

I have appealed all of the open cases with evidence of this account takeover and Citi Bank has not provided evidence as to why these cases have not been resolved and provisional credits not provided. 

As a consumer who has been banking with Citi Bank for several years, I find these actions from Citi Bank to be very dismissive, irresponsible and lacking accountability as a top XXXX financial institution. 

As of today, XX/XX/XXXX, I have contacted Citi Bank for the 7th time and I'm getting the same responses over and over again, 'they have opened an appeal '. Ultimately, I want this resolved and the funds returned to my account. 

I am also notifying the Attorney General 's office.

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 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: OK

Complaint narrative:
My current address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX OK XXXX. I have updated my address with BMO Harris Bank around XX/XX/XXXX. 
BMO Harris Bank XXXX XXXX. XXXX XXXX XXXX XXXX, Illinois XXXX Phone XXXX XXXX XXXX XXXX Initially they updated it to : XXXX XXXX XXXX XXXX XXXX  OK XXXX Then they updated to XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX. This time the XXXX XXXX is missing. 

I am not receiving my monthly statements since XX/XX/XXXX. I also did not receive my 1099 for XXXX. 
I called so many times and spoke with XXXX, XXXX and XXXX but the problem is not fixed.

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 2023-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this letter because I am very concerned. I recently updated some information on my credit file with TransUnion and XXXX during the months of XXXX and XX/XX/XXXX. 

Now 2 weeks later, there are HARD INQUIRIES on my file for both credit reporting agencies : 1. TransUnion a. XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I filed an Identify Theft Report # XXXX on XX/XX/XXXX, which is attached. I also called both CRAs to have this information removed and they have not removed it yet. 

I DO NOT have a State ID or License, my passport is attached.

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 2023-03-21 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: MN

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

XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 that no consumer reporting agency may make any consumer report containing any of the following information items. Any other adverse items 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 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 2023-03-21 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
In accordance with the Fair Credit reporting act, this company has violated my rights. 

15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Sction2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent letters to the credit bureaus on XX/XX/XXXX via certified mailed and they responded back on XX/XX/XXXX stating that all accounts are verified.my credit report is still showing inaccuracy. I sent the bureaus letters again on XX/XX/XXXX and sill nothing has change.15.U.S.C 1681S ( 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 2023-03-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this letter because I am very concerned. I recently updated some information on my credit file with XXXX and Equifax during the months of XXXX and XX/XX/XXXX. 

Now 2 weeks later, there are HARD INQUIRIES on my file for both credit reporting agencies : 1. XXXX a. XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 2. Equifax XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I filed an Identify Theft Report # XXXX on XX/XX/XXXX, which is attached. I also called both CRAs to have this information removed and they have not removed it yet. 

I DO NOT have a State ID or License, my passport is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: Chime Financial Inc
State: CA

Complaint narrative:
I was scammed out of {$4500.00} through the pay friends app on my banking app. I immediately contacted the bank to inform them that the transactions were not authorized by me and that I wanted the transaction reversed. The bank said all i could do was file a dispute and advised I make a police report. I made a report with the local police as well as the FTC. The bank knows who took the money since they too have the pay friends app. I told the bank the transactions were done through a shared screen as I thought I was speaking with someone from tech support who would be helping me with my account, not stealing from me. I have submitted the case numbers for both reports I filed a long with a detailed email stating what happened. I had gotten a student loan for a vehicle purchase, and I was trying to transfer money to the zelle app from my bank for payment of vehicle. I thought I had called zelle customer support the guy told me he would have the tech guy call me back. When I received the call from the guy I thought was tech support he proceeded to take 3 transaction 2 for {$2000.00} and 1 for {$500.00} each sent thought pay friends on the chime banking app. After the first transaction the guy assured me the money would be put back and while waiting for the money to be put back he completed the other two transactions wiping out the funds in my account. The bank investigated and found no error. I asked for the details how they reached there decision and found several questionable reasons. I contacted the bank by phone and email requesting answers to these questions of how they reached their decision. I was told someone would contact me which has not happened yet the event took place on XXXX since then I have been required to reopen my dispute several times then I filed a rebutttle a long with information of their misinformation in coming to their decision. I live in a rural area and attend college not being able to get my money back to buy a car has caused me much stress and anxiety as I have to travel by bus 50 miles one way to school. I have missed drs appointments and have to spend 8 hours at school for a 2 hour class due to the bus schedule. I have stated to the bank time and time again that I did not authorize those transactions. Still nothing has been done about it the bank is allowing thieves to steal my money they have information about them since they too use their service.In my opinion they have basically aided and abeded those criminals when they did not cancel or reverse those transactions. I have done all the bank has asked and submitted all information they have requested, still they don't take what I say into consideration. I have yet to speak personally with someone about this issue I only get generic email responses back

Company response to consumer: Closed with monetary relief