vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased a smoker from Lowe 's online Sunday XXXX for {$200.00}. On Monday morning XXXX at XXXX I checked to see when it would be delivered. The delivery address and phone number had changed from when I placed the order, and was now a four year old address and a phone number that was no longer in service. I am sure I did not provide that old address and phone number when I placed the order. ( Which also did not match my current information on the Lowe 's credit card used ) I immediately called the local Lowe 's in XXXX XXXX, FL and was told to call the Lowe 's Corporate office. I called the Corporate Office and they told me to call XXXX  XXXX. I called XXXX  XXXX and they told me there was nothing they could do. 
I did not receive the smoker and have filed multiple disputes with the credit card. 
I believe that Lowe 's antiquated computer system somehow changed the delivery address and phone number to a very old one. 
I have no way of knowing if the smoker was actually delivered, but I know it wasn't delivered to me. I do not feel I should pay for an item I did not receive.

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 2024-12-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

and list of Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Last year, I filed three complaints with the consumer financial protection bureau under the following complaint numbers : FTC XXXX pertaining to Mohela and Dept. of Education ; FTC XXXX pertaining to XXXX XXXX XXXX XXXX ; and a complaint against XXXX XXXX XXXX involving a XXXX XXXX XXXX  who charged me after sabotaging my vehicle that had to be towed twice once I drove it home. As I stated, I suspect that the XXXX XXXX XXXX XXXX XXXX XXXX has a rogue unit of officers who have been assigned to use illegal pen registers to monitor my email transmissions when I report incidents of corruption and retaliation against me. These complaints were filed last year; but they have been deleted from your data base. This is an example of what these rogue officers are capable. I retired in XXXX and couldn't find employment to pay my student loans. I discovered on XXXX XXXX, XXXX that these rogue XXXX XXXX  had affixed derogatory and false medical information to my payroll in violation of HIPPA regulations. I am asking your office or the ombudsman to investigate this computer breach at your office and share your findings with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

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 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
The response from Chime Financial , Inc. to my complaint submitted through the Consumer Financial Protection Bureau ( CFPB ), where Chime Financial asserts that it is not required to comply with Regulation XXXX, this assertion is incorrect. As a financial technology ( XXXX ) company providing electronic fund transfer ( EFT ) services to consumers, Chime Financial operates under the same regulatory framework as traditional financial institutions, including compliance with the Electronic Fund Transfer Act ( EFTA ) and its implementing regulation, REGULATION XXXX. 
XXXX companies like Chime Financial, which provide services such as online banking, debit card processing, and mobile money transfers, are required to adhere to the following regulations, Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) Protects consumers engaging in electronic fund transfers by establishing rights, responsibilities, and remedies. 
Regulation E ( 12 CFR Part 1005 ) Outlines specific protections, including error resolution procedures, investigation timelines, and requirements for addressing unauthorized transactions.

Consumer Financial Protection Act ( CFPA ) Section 1036 ( 12 U.S.C. 5536 ) Prohibits unfair, deceptive, or abusive acts and practices ( UDAAPs ) in connection with the offering of consumer financial products or services.

Chime Financial response, denying its responsibility under Regulation E, is concerning. Specifically due to Failure to Conduct a Proper Investigation. Regulation E mandates that disputes involving unauthorized transactions or errors must be investigated within 10 business days and resolved within 45 calendar days if provisional credit is issued.

Chime Financial failure to follow the regulatory framework constitutes noncompliance with consumer protection laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX is a installment loan XXXX when it was open closed XXXX was included in my XXXX XXXX bankruptcy Equifax is reporting the account 120 days pass due but that account was discharge in my bankruptcy and Equifax has on mt report 120 days pass due i talk to Equifax and no one was willing to change that status to discharge XXXX XXXX i do have my discharge paperwork for that account the amount for the loan XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I closed my Plus Finance /Ally Bank account two months ago, and they are still showing it as open on my credit report with a last reporting date of XX/XX/XXXX. I want this account to show as closed, paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX is a total loss of structure and contents. 

Insurance company issues check for the XXXX XXXX. 
Mortgage has outstanding balance of $ XXXX - I have never been delinquent. 

XX/XX/year> - I forward insurance check {$230000.00} to sent to Citizens Bank , NA Mortgage. 

XX/XX/year> - I received {$180000.00} from Citizens and am told the balance will be held until progress is made. 

XX/XX/year> - Mortgage Inspector comes to my property and confirms home demolition is 100 % complete. The property has its original foundation ( we are using this foundation to rebuild ). Land is graded. Straw on ground to protect foundation from winter temperatures. 

XX/XX/year> - Mortgage company notifies me they will not release the balance of the insurance money to me until progress is made. I explained to Mortgage company progress is made. The value of the foundation is {$20000.00}. The value of the vacant lot is {$70000.00}. The property value is {$90000.00}. This total value exceeds the balance of my insurance money {$51000.00} the mortgage company is holding, and this value exceeds the balance I owe on the mortgage. 

I want this insurance money returned to me, now. I am rebuilding my home. I want my insurance money put into my money market account so that I earn interest on my insurance money to put it back into my home. How can the Mortgage company hold my insurance money that now exceeds the value of the property and exceeds the value of the outstanding balance of my mortgage? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : 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 ( Equifax ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting.

I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately.

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i.

Thank you for your urgent attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: NC

Complaint narrative:
Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX Account Number : XXXX ( Experian ) XXXXXXXX XXXX XXXX Account Number : XXXX ( XXXX ) XXXXXXXX XXXX Account Number : XXXX ( XXXX, Experian ) XXXXXXXX XXXX Account XXXX : XXXX ( XXXX, Experian ) XXXX Account Number : XXXX ( XXXX, Experian ) Account Number : XXXX ( XXXX ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting.

I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately.

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i.

Thank you for your urgent attention to this matter.

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 2024-12-07 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:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Late payments Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) Experian a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 15 usc 1681a 2 a ( i ) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated and removed. Immediately 15 usc 1681a 2 a ( i ) 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Per 15 USC 1666 ( 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. The following accounts have been reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> The previous account has been reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer 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 2024-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In XX/XX/XXXX received notice our accounts checking & debt account would change to a different type of account, plus a fee would be added unless we were XXXX years old. We are in XXXX and have been customers for over 50 years. We just asked to switch to accounts that didnt charge us a {$15.00} fee each month like the ones we had. Company sent numerous letters but they keep saying g they looking into it. They called XXXX XXXX work phone that is company owed not a personal phone. He discussed it with him several times in XXXX he discussed it with them. Than on XX/XX/XXXX we get letter that they completed investigation /research on our concerns. But welcome to your new everyday check g account. With details about it and our account information. It also stated they updated checking options to better serve customers and dont offer our type anymore. They go on to say our case is closed as of date this letter XX/XX/XXXX. That they unable to reach us by phone. What was the seven calls and the one XXXX XXXX spoke to person to discuss concerns. He stated his dislike and even stated his position on the matter. They also sent a larger package before this letter of information on our new accounts and apparently were going change accounts anyway no matter our concerns. Now our online banking g account says restricted. Why would this be we have done nothing different no fees, no suspicious activity just normal deposits, auto payments and bill pay. We opened up a savings account this last week on XX/XX/XXXX at local branch for our granddaughter and nothing g said. We have made also two deposits to our accounts and. XXXX XXXX said. So they can restrict use from getting OUR money, pay BILLS or accounts we have thru them. So they do t want us to move our money, or pay on Wells Fargo accounts. How can they restrict our h Own money. When we have been long good customers. We want this issue resolved immediately as this is just needs investigated and resolved quickly as they are not listening to us and resolved our accounts changing with out giving us other options. Just made the choice for us. Never have heard of a bank restricting someone else money or access to it. We are living on those accounts and it is our money. Never had these issues until we didnt like our accounts changing to be charged fees. We did speak to someone and even explained it company phone not a personal phone. As well as we work long hours XXXX XXXX XXXX XXXX  with fill times jobs and two farms. So these posts week of opening an account at the bank could be addressed again since XXXX was at our local branch.

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 2024-12-07 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: LA

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 : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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. 


XXXX 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 non-monetary relief