vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: 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. 

XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, US dept of ed XXXX XXXX, dept of education/ XXXX XXXX 15 U.S.C 1681 section 602 A states I have right to privacy 15 U.S.C 1681 section 604 a section 2 : it also states consumer reporting agency can not finish 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 conviction of crimes which antedated 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 agency agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I sent it in a payment through billpay through my bank account and they said that theyve never received it but my bank says that they receive it and they still have not given me the money and its two months later, and they still have no clue where the money is and since this all went on, they put my wifes loan in forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a letter to Transunion regarding XXXX XXXX XXXX XXXX adverse account # XXXX. The letter is from the creditor indicating this account would be removed from all of the credit bureaus. Transunion is the only credit report agency that failed to remove the adverse action. I did a written, online, and phone request and I haven't been able to do anything. This is a violation of the FCRA and CA Civil Code 1785.1XXXX.

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 2023-11-29 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:
This collection account has an OPEN status and that is a violation, because a collection is by default a closed account. Delete this account due to inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
There are a number of fraudulent hard inquiries on my account for the following two companies : XXXX XXXX and SYNCB/AMAZON XXXX . These inquiries were not initiated by me and should be considered fraudulent.

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 2023-11-29 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: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bay Area Receivables, Inc
State: VA

Complaint narrative:
I sent a certified letter to the company requesting information so I could validate the debt. They ignored my request. I have proof that they received my letter. They continue to report this information and have not indicated that I am disputing the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: 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. 

XXXX XXXX, XXXX XXXX LL XXXX,, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX dept of ed XXXX XXXX, dept of education/ XXXX XXXX 15 U.S.C 1681 section 602 A states I have right to privacy 15 U.S.C 1681 section 604 a section 2 : it also states consumer reporting agency can not finish 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 conviction of crimes which antedated 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 agency 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 2023-11-29 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: MO

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

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 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
The XXXX XXXX didn't reply to my request. On my credit report it shows a debt collection which I don't own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime locked me out of my account, because I sent my money from one bank ( which is now closed ). {$6000.00} is in my chime account and they refuse to give it back to me... I am close to filing a lawsuit against chime. I have sent them more then what they needed to unlock my account.. they still ask for things that I have already sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2023 my Truist accounts were hacked. The hackers were able to transfer out of my money market savings account to XXXX checking accounts and then XXXX the money out of my accounts. Altogether I lost {$9400.00}. XXXX months later I still have not retrieved my money from Truist. Through my branch manager ( they have not provided a written decision about my case ) they are saying that it is my fault that my accounts were compromised, but I did not give out any mani information to anyone and I did not authorize these transactions. They are also saying that the money was transferred to another bank that refuses to return it so my money is simply gone. I have exhausted all avenues to get Truist to make good on my lost funds. 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 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue.

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 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NY

Complaint narrative:
I applied to Discover for a personal loan.. 
( They do that now ) I was surprised that I was denied I press the button for info on why I why denied. It stated an issue with a Discover card in XXXX In XXXX I was close to death And my criminal brother illegally used my credit cards. When I started to recover I Made a police report and every credit card company reversed or dismissed the charges. Discover card dragged me through court even tho I could barely walk And LOST. Now they are denying me a loan and possibly negatively effecting my over XXXX XXXX XXXX with a loan denial Because of a case that they LOST 13 years ago??? Even if Lost NYS statues of limitations is 6 years. My main concern is damage to my credit rating because of a case 13 years ago that they LOST in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: IN

Complaint narrative:
My information was compromised in that big data breach they had and I have been disputing and asking them multiple times to remove those negative erroneous from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: LA

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-11-29 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: TX

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use.

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 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was working on my credit and I was thankful and excited to see my score going up. I had planned on getting one card and possibly a small loan and would work on my credit for a year or two. While at my parents home, I mentioned to my family that my score was going up just as any child would tell their parents to make them proud. I didnt realize it at the time but my brother in law had several of his friends and family over that day but I didnt think I was loud enough for someone to hear that I was being sent credit card offers from capital one, XXXX XXXX, XXXX XXXX XXXX  and more. I thought I could trust eveyone in the room but there were a few I didnt know. Now I do not know if this is how the fraud started but I do remember talking about Capital one and a couple of other banks sending me card offers because I was excited to see my credit growing after 10 years!! A whole year went by and I didnt know what was going on at all. 

In XX/XX/2022, I found out that a Capital One credit card for the amount of {$300.00} had been opened in XXXX of XXXX, a limit of {$600.00} with XXXX XXXX through XXXX XXXX  and several credit inquiries preformed on my credit report. The XXXX XXXX account was opened near the same time as capital one. I immediately emailed and told capital one and XXXX XXXX  that I was a victim of fraud. Capital XXXX stated they would send me documentation of any charges and dates but I had to go get information myself. 

I didn't write the companies but I did call and did everything I knew to do but maybe I did something wrong. I say that because now I have charge offs on my credit report for capital XXXX and XXXX  XXXX. The credit collection agencies are XXXX bank for XXXX XXXX for {$410.00} ( a settlement ) and XXXX XXXX Incorporated for Capital One for {$470.00} ( settlement ). 

What do I do now???? I need to get my credit report updated and be able to apply for a credit card that I am being sent preapprovals for as well as a personal loan but this sure has messed things up for me and my credit score is low when I need to be able to make payments on items by getting approved for a card and/or a loan so that I can. Afford the items I need. 

Please let me know what to do. 

Thanks! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
-They called me Tuesday XX/XX/XXXX on my work phone. I told them it was a work phone and to stop calling me. They told me they would remove the number. They called again on Monday XX/XX/XXXX on the same work phone. I repeated the information that it was a work phone and to stop calling me. They called me again on Wednesday XX/XX/XXXX on the same work phone number. 

-They block the number they are calling from and it is a fake number. When attempting to call the number back it simply reports it is not a working number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
My name is XXXX XXXX and I have had a chime account for 6 months now. never had a problem until recently where my account use has been suspended for some unknown reason. When I call Chime, I am told to send in my personal documents in order to verify I am who I say I am, and I still send the documents. I am a XXXX XXXX  who XXXX XXXXXXXX XXXX  I have no interest in any fraudulent activity and it is imperative that I have access to my money. I have no money at the moment because I can't get into my account. I have not violated any terms of agreement and use chime for everyday spending such as food and clothes for my family. Could this situation be rectified promptly, It is now going on 3 days and I have no response from Chime. I received my direct deposit 2 days ago and suddenly now there is a suspicion of unusual activity, when I receive the same check from the same school every 2 weeks. I have called, I have emailed, I am unhappy and would like to know the status of this investigation into my account. I literally have nothing without my account and need access to my money. I have committed no fraud, I am an honest working man who is a father and a XXXX. I need to feed my family and this procrastination is honestly inhumane and morally wrong. I have committed no crime, I work hard for my money and for it to be stripped from me because of an error a need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: IL

Complaint narrative:
IHave asked for several months since opening the account for a account.statment only to be told no I have tried to access online my account only to be restricted I have asked for more payment options. as of now the only way to repay my account is to call into the store these deceptive and predatory practices most stop I have no idea of what my balance is how the payment are applied or what my pay-off balance is

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are a number of addresses on my credit reports that are not mine. I am attaching my current driver 's license with my current address. I've contacted the three reporting agencies and requested that the addresses be removed and they advised that they could not remove them. Per the FCRA I am entitled to fair and accurate reporting in all areas of my files.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are a number of addresses on my credit reports that are not mine. I am attaching my current driver 's license with my current address. I've contacted the three reporting agencies and requested that the addresses be removed and they advised that they could not remove them. Per the FCRA I am entitled to fair and accurate reporting in all areas of my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received my credit report then I called XXXX, XXXX XXXX TransUnion in regards to Inquiries and addresses that were being reported on my consumer credit report and I was on wait for a very long time for each consumer reporting agencies before getting the fraud department. After getting through and telling them the situation they would not remove them from my report ( XXXX ). XXXX reporting XXXX Inquiries & 2 Addresses, XXXX reporting 35 Inquiries & 7 Addresses, TransUnion reporting 25 Inquiries. Under US 1681 and 1681n It is my legal write to seek damages moving forward because it has damaged my credit scores tremendously for me and my family. I have uploaded the Inquiry & Addresses parts of my credit report from each Credit Reporting Agencies and pointed & highlighted each one on each 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