vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-17 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: MD

Complaint narrative:
15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I received a Notice of Default today and was shocked. I am an XXXX yr old XXXX XXXX XXXX XXXXXXXX XXXX  and need to set up a phone appt with XXXX XXXX XXXX. I have been making my payments online since XXXXXXXX XXXX and my payment is {$1500.00} and I have been making payments of {$2500.00} and have guaranteed income for life The letter stated that I must pay {$9700.00} by XX/XX/XXXX which I can not do but at {$2500.00} a month I can be caught up by XXXX. 

Please grant me an extension until XXXX or XX/XX/XXXX PHH did not pay my taxes on time in XXXX and I received a fine they also charged me {$30.00} for a payoff notice which I did not order I must have hit the wrong key My health is XXXX XXXX and this has caused me unwanted stress. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: PA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX, XX/XX/XXXX, I made a cash deposit of {$1000.00} to Chase Bank. I also cancelled a transfer to XXXX XXXX XXXX from that account as it was no longer needed. To have additional security on my account, I locked both my Chase Credit and Chase Checking account. At XXXX, I called Chase customer service as I noticed that I was charged a service fee of {$12.00} in XXXX and XXXX. I was hoping to get clarity on the situation and hopefully a reversal, unfortunately that was not the case. 
At XXXX, I called a service representative in which I was told they would transfer me to customer service. Upon doing so the customer service representative stated that she noticed that I had an account with Chase Checking which was closed in XX/XX/XXXX. I explained to her that it was a new account and I attempted to transfer funds to an existing account to the Chase account. I also expressed that the account was abruptly closed and I received no insight on the matter then. She then stated she would transfer me to another department to help with the service fee issue but instead, I was hung up on after being on hold for an extended period of time. 
I called another customer service representative at XXXX regarding the issue but I was told that I should call customer service Monday as they are closed. I then tried to access my Online Chase Banking account but to no avail as I was met with this message, We locked your account due to unusual activity. 
Call us to unlock it. If you're a commercial client, reach out to your servicing team. 
Please note that you will not be able to access your account information, documents or statements online or on the mobile app until we unlock your account. I called another customer representative to see what was going on and I was informed that Chase no longer wants to continue a relationship with me and that my funds are to the discretion of the bank teller. As my Chase credit card account is connected to my Chase online banking, I called their customer service number to inquire about what can be done with that account. I was informed once again that I can not be provided with a reason why my Chase checking account was closed and that my funds are at the discretion of the bank teller. When I then asked to close my Chase credit account as I feel there is no security with them, the representative stated I can close it on the phone and then hung up on me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I applied for several rental properties and was denied because of Transunions Rental Screening report. Transunion was reporting inaccurate information affecting my ability to find a home. I spent months trying to find a home and was constantly denied becasue they said my Transunion Rental Screening Report was reporting an eviction on my consumer report. Ive tried reaching out to Transunion and theyve denied me access to my rental screening report. I have been damaged by this trying to find a home but was constantly denied because of Transunions Rental Screening inaccurate reporting on my consumer file saying ive been evicted when ive never been evicted before.

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 2023-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
This complaint is very similar to the one that was just settled with the bank returning the money. I have a very good friend in a hospital in California. He has a XXXX XXXX that is malignant and needs surgery. He doesnt have insurance or money. The hospital was requiring {$62000.00} deposit for a surgeon that we flew to XXXX  from XXXX renowned for that surgery. My friend does car business with XXXX XXXX near the hospital. His fianc lives in XXXX XXXX  where US Bank is located. Her name is XXXX XXXX she is a customer there. The ownership suggested I send a cashiers check XXXX would take it with her to XXXX  on a pre planned trip. I mailed the check overnight to US Bank manager XXXX XXXX, he put a 7 day hold but she was just going to pick the check up. During the hold period XXXX had a XXXX episode and spent about 3 days in the hospital. When she was discharged she went to the bank to pick up the check. Apparently she was medicated to the extent that she couldnt answer the questions that were asked. After the check arrived overnight I called the bank and explained truthfully what the situation was for my friend and the fact that XXXX was volunteering to deliver the check since she was going to visit her fianc. The problem is XXXX the manager refused to give her the check and since XXXX he has refused to return the check to me, thats a lot of money. It was sent to the fraud department they still have it. It was signed for at the bank on XX/XX/26. They decided it was fraud or a scam. Im still trying to help my friend. US Bank XXXX, XXXX  ph. ( 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 2023-12-17 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: NY

Complaint narrative:
I'm asking Chime to provide the documents used to open the account using my name without my authorization and my knowledge. The documents I'm asking for is ID, proof of address, phone number, email, tax report, etc. 

Also, as per statement provide by Chime, the address used is an address that I lived there until early XX/XX/XXXX. Note that the account was open on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I send over a dispute letter to transunion on XX/XX/23 the received a letter with the file number XXXX stating it wasn't me and a third party when in fact it was me

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 2023-12-17 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: FL

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 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 2023-12-17 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: FL

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 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 explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLIANT CREDIT UNION
State: PA

Complaint narrative:
an unauthorized charge from XXXXXXXX XXXX XXXXXXXX appeared on my credit card statement in XXXX of 2023. I have made attempts with the flight school and spent many hours in talks with the credit card issuer ( Alliant ) but the charges and resulting interest fees still remain on my account. I understand that I am liable for not more than {$50.00} of the unauthorized charge, in accordance with federal law, but nothing more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: AZ

Complaint narrative:
I had singed up for debt consolidation with Beyond Finance. I would may them directly and they would settle with my creditors for a smaller amount. I was making the payments and was told not to contact or pay my creditors anymore. My scores plummeted and they said stick to the program and they will improve. I was sent copies of the settlement offers and accepted them. Out of nowhere the settlement contract was canceled and I owed all the money I owed. I asked why and they couldnt tell me. Now my credit is ruined and they didnt even pay my creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-17 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 writing to dispute certain information in my credit file. The items I dispute are highlighted and enclosed in the attached copy of the credit report I received. 

This letter is a formal complaint that you are reporting inaccurate and unverified information on my credit report. I am very distressed that you have included the below information in my credit file, which contains errors and inaccuracies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( All accounts ) I have never engaged in any transaction with XXXX XXXX  or XXXX XXXX - XXXX XXXX, and I believe this information represents fraudulent activity on my account. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion or correction of any information in my credit report that is inaccurate, incomplete, or unverifiable. Section 611 of the FCRA states that if I notify you of a dispute, you must conduct a reasonable investigation and either verify, correct, or delete the information from my file.

Please investigate these matters and remove or correct the disputed items as soon as possible. If you fail to remove these inaccuracies, I will be forced to take further action, which may include legal proceedings.

Please send me a corrected copy of my credit report and notify anyone who has received my report in the past six months of any corrections made.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XX/XX/1994 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
Consumer complaint received 2023-12-17 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: NY

Complaint narrative:
I am writing to let it be known that I experienced a security incident that resulted in unauthorized access to my personal information.

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 2023-12-17 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: NY

Complaint narrative:
I am writing to let it be known that I experienced a security incident that resulted in unauthorized access to my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: NY

Complaint narrative:
I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report it should not be there. THAT IS A VIOLATION. I never gave written instruction to furnish any of the following account Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

I've sent out numerous letters requesting the accuracy of my Credit Report on severaL occassions and I did not get a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts thats inaccurate and its in clear violation of my privacy which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me As the consumer. 

The following account is : XXXX XXXX XXXX  Account ending XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief