vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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: MI

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IN

Complaint narrative:
I have been banking with chime for over the last 4 years. I recently XXXX with my XXXX and have been working for my job for the last 2 months. My checks have always been deposited to chime since I had my chime card. Yesterday XX/XX/year> my check was deposited into my account in today on my lunch I went to grab something to eat tried to withdraw money in my account was closed by Chime without any notice and funds were not recover I have my statements for my account, I've talk to representative from chime and they cant give me any information on why my account was closed and they continue to hang up on me for even asking I would like my funds to be return to me asap for I have bills due

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: GA

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 Account Number:XXXX has violated my rights. Or a 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.

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 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This is a follow up to original claim # XXXX, which should have never been closed. Just because American Express responded doesnt mean theyre right. If you look at the Statements they submitted, you will see the XXXX XXXX XXXX It Plan disappears from a statement in the middle of the alleged plan. Additionally, they are trying to charge me a late fee despite us being in the middle of a CFPB dispute which was filed well before the due date. 

Also, if you look at the adjusted balanced and minimum payment dues on all of the statements that THEY PROVIDED IN RESPONSE, there is no accounting done for the Plan It Plans that were allegedly due. They have just demonstrated that their definition of an Adjusted Balance is in fact inaccurate along with their terms for a Plan It Plan itself. It is not my fault as the consumer that their system had an error that did not start accounting for the alleged plans in my account. No one could explain this, and theyve responded to the CFPB complaint in the same manner that theyve responded to me previously. THE BURDEN OF PROOF IS ON THEM AND THERE IS A CLEAR ISSUE. THEY HAVE JUST ADMITTED WHAT THEY ADVERTISE IS NOT WHAT IS ACCURATE. 

This needs to be escalated both at the CFPB and American Express, because this horrible treatment for a longtime customer. This question deserves more than a poorly written email consider their own attachments in response verify what I am saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I don't recall having a contractual relationship with this collection company CREDIT COLLECTIONS SERVICES , INC.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I noticed unauthorized credit inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see supporting documents for my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see supporting documents for my dispute.

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 2024-05-22 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-23 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

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 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I'm getting tired of this. My credit card company got paid originally twice by me on XXXX. They returned the OVERPAYMENT with a check and AFTER that they AGAIN charged me. They are lying by saying they paid me XXXX times by paper check. In the end NOTHING was resolved. They got paid {$78.00} twice which is {$150.00}. l asked them to refund the second payment. They sent me a check. So the remaining {$78.00} was my payment l made on XXXX. Once they sent me the check that should have resolved everything but instead they AGAIN charged me {$78.00}. They took back the refund they gave me!! How is this resolving anything?? I ended up paying {$150.00} when all l owed was {$78.00}!!! They are getting away with this!!! They are lying!! They got paid TWICE they refunded me ONCE with XXXX paycheck. Then charged me {$78.00} again. So on XXXX I AGAIN paid them {$78.00} because they refused to fix this even though I kept explaining to them that I ALREADY paid them on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report.Please remove these accounts from my report.They are hurting my ability to obtain 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 2024-05-22 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report.Please remove these accounts from my report.They are hurting my ability to obtain report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
there is information on my consumer report that is a result of identity theft. i did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. the identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on a basis of material misrepresentation of fact. I AM IN FACT, REQUESTING THIS BLOCK ON BEHALF OF MYSELF. Experian, XXXX, and XXXX refuse to abide by FCRA regulations on multiple attempts. they continue the reporting of fraudulent accounts on my consumer report. attached is more proof that the investigation they claim to have made is in fact false as these companies report different days, amounts, types of accounts, some report open as others report closed. this is all FRAUD and the reporting agencies have done nothin g to protect my consumer rights. making them civilly and criminally liable for all the damages i have been through these past few months.DO NOT ATTEMPT TO DELAY THIS 60 DAYS. THIS BLOCK MUST BE DONE WITHIN 4 DAYS OF THIS NOTICE, PURSUANT TO 15 USC 1681C-2.

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 2024-05-22 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:
XXXX  is Obligated by the FCRA to report accurate accounting consumer has advised all the inquiries reported was fraud said company had 4 days according to law to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX  to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX  has 15 days to provide me with the name of the person spoken to. documentation used, signed application with consumer wet ink signature, consumer is not asking for an XXXX report. If XXXX  does not have documentation to show these were in fact authorized it must be removed asap.said comXXXXany is liable underwhelming XXXX to follow certain rules. XXXX XXXX file numberXXXX 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 I will be filling form XXXX XXXX XXXX forms to audit consumer account. XXXX  is securitizing consumer data yet refuse to provide consumer a copy of their consumer file not 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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MI

Complaint narrative:
Hi I am a loyal customer with time online banking I have recently since XXXX and XXXX have been receiving errors regarding my account I made several complaints about when you've been added to my account from Other banks that try to deposit funds into my account it constantly shows an era I made several complaints my money was not going into my account on time I'm just now from a complaint from XXXX and XXXX able to get a dispute that I filed handled in XXXX I'm a very upset customer I'm really worried and concerned should I change my bank or what..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Webster Bank Subject : Unauthorized ATM Withdrawals and Unsatisfactory Resolution I am writing to formally express my concern and dissatisfaction regarding unauthorized ATM withdrawals from my account that have occurred throughout XXXX XXXX over the entire year of XXXX up until XX/XX/XXXX. Despite my efforts to resolve this issue, the response from Webster bank has been profoundly disappointing. 

On XX/XX/XXXX ], while attempting to make a payment on my cell phone bill, my transaction was declined due to insufficient funds. This prompted me to review my account activity, where I discovered that numerous unauthorized withdrawals had been made from ATMs in XXXX XXXX. At the exact time my payment was declined, another withdrawal was processed, further depleting my funds. 

I want to make it unequivocally clear that I did not approve or have any knowledge of these transactions. It is evident that an unknown individual has been fraudulently accessing my account. Despite this, when I contacted Webster customer service department, I was met with a dismissive response, essentially being told " tough luck. '' This level of service is unacceptable. As a customer, I expect my bank to safeguard my assets and take swift, effective action when fraud is detected. Instead, I have been left vulnerable and without recourse. I am requesting an immediate and thorough investigation into these unauthorized withdrawals. Additionally, I expect a full reimbursement of the stolen funds and a review of Websters security measures to prevent such breaches in the future. 

I trust that Webster Bank will address this matter with the seriousness it deserves and provide a resolution that reflects your commitment to customer security and satisfaction. Failure to adequately resolve this issue will leave me no choice but to escalate my complaint to the relevant regulatory bodies and consider legal action. 

Please acknowledge receipt of this letter and provide a response outlining the steps that will be taken to rectify this situation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastpoint Recovery Group, Inc
State: GA

Complaint narrative:
This is not my 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 2024-05-22 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: VA

Complaint narrative:
XXXX XXXX Account XXXX XXXX, I got a copy of my credit report. I notice that you are reporting this incorrectly. This Collection account is not only as OPEN, but also shows a past due balance of {$21.00} dollars. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion

Company response to consumer: Closed with non-monetary relief