vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent out a letter on XX/XX/2022 ; To remove personal information that I do not want on my credit report, see attachments. 

According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my my federally protected consumer rights.

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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I had an account with XXXX XXXX XXXX in which I cancel the policy. Before canceling the policy I open a policy with another carrier. Ive made several attempts to inform XXXX but it was ignored. I contacted the XXXX XXXX XXXX and finally, the policy was canceled and a refunded check was sent to me. 

After receiving the refund from XXXX XXXX I asked for the calls from Credit Collection Service to be stopped as well as for the negative information to be removed from my credit report. Credit Collection Service as well as XXXX XXXX XXXX has again ignored my request. I am asking CFPB to please assist in getting this negative information removed from my credit report and stop the calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: DE

Complaint narrative:
I opened an account with chime on XX/XX/2022 about a week after I deposited some funds into the account, the day after when I attempted to log in to the app chime stated my account was suspended due to security reasons. I called everyday for 2 weeks straight they asked me to provide 2 forms of ID as well as 2 proofs of adress I obliged after I did so I stopped receiving emails from chime even automated responses I sparsely called after that maybe once or twice a week in the following months since I'd given up hope. each and every time I called I was told that my case was being " escalated '' I was also told I'd receive an email after each call. save for the initial emails from the 2 weeks i had called I received nothing. I asked for a check or for my funds to be transferred to a separate account they agreed after 2 weeks now I still have received absolutely nothing from chime. Today I sent a complaint with the XXXX I also called XXXX and was transferred to a XXXX XXXX representative that essentially gave me the same XXXX XXXX  that I've been receiving from chime all I want is my money back and I have done my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is a follows Name : This is my legal name : XXXX XXXX XXXX Please delete other references names as they are not mine and I have never used any of them Address : please be sure that address is listed correctly. My address should be read : XXXX XXXX XXXX, XXXX PA XXXX Employer- N/A Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my identification card, for your verification.

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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXX company account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX  XXXX BANK account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( BANK XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( BANK XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX BANK XXXX account # XXXX ) has violated my rights. 



In accordance with the Fair Credit Reporting act XXXX XXXX  company account # XXXX has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX company account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX  XXXX BANK account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( BANK XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( BANK XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX BANK XXXX account # XXXX ) has violated my rights. 



In accordance with the Fair Credit Reporting act Enhanced Recovery company account # XXXX has violated my rights

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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XX/XX/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 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I received an email and a phone call from Discover asking me to give them digital access to my IRS Profile. The rep explained that my account had been flagged for verification and if I did not allow access to my IRS Profile to Discover they were going to close my account immediately. 

I currently have an outstanding balance with them and I am just now in a position to start paying payment to them, I lost my husband due to XXXX XXXX which started in XXXX of this year to XXXX. 

Also, the card I have is a special design card in RED BLACK and GREEN which signifies XXXX XXXX  I honestly believe that DISCOVER is targeting XXXX XXXX  bullying them for their information to either sell them more services or take them away, why else go for my IRS Profile. My IRS Profile was not required for approval of the card, why now? I have not indicated any fraud on my account. I need answers because now they are going to close my account sell it to a XXXX company for collection and I will end up paying double what I owe and will never get justification for paying this bill off with fair reporting to my credit bureau account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am submitting this complaint because this organization is reporting outdated inaccurate information on my consumer report. This account is past the statue of limitations it has been reporting for over 7 years. 15 USC 1681 ( a ) states the banking system is dependent on fair and accurate credit reporting. This account is on my credit report as a duplicate account and it also is outdated I reached out to the company to resolve this information but I had no success. Please help me resolve this matter. I want to exercise my Privacy Rights as well I did not consent to this 3rd party company housing my information. According to Family Educational Rights and Privacy Act ( FERPA ) I have the right to my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am submitting this complaint because this organization is reporting outdated inaccurate information on my consumer report. This account is past the statue of limitations it has been reporting for over 7 years. 15 USC 1681 ( a ) states the banking system is dependent on fair and accurate credit reporting. This account is on my credit report as a duplicate account and it also is outdated I reached out to the company to resolve this information but I had no success. Please help me resolve this matter. I want to exercise my Privacy Rights as well I did not consent to this 3rd party company housing my information. According to Family Educational Rights and Privacy Act ( FERPA ) I have the right to my privacy.

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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
TRANSUNION is DEMANDED under the F.C.R.A and C.F.P.B.to exercise their GRAVE DUTIES to ensure accurate reporting in respect to a consumers RIGHT to PRIVACY. Under the Gramm Leach Bliley Act TRANSUNION is a FINANCIAL INSTITUTION, so I have exercised my FEDERAL RIGHT under 15 USC 6802 to OPT OUT of their NEGATIVE reporting on requested accounts. TRANSUNION is NOT required by law to report negative information. I have demanded TRANSUNION remove from my reputation negative accounts that are being reported by OBSCENE MATTERs of Racketeering in attempts to collect payment on finance charges when in fact the alleged debt has already been paid for under finance charge 15 USC 1605. TRANSUNION has stated to me they respect the consumer and Obeid by the CFPB guidelines but continue to violate me and violate the CFPB showing in fact a lack of respect to I the consumer and a lack of respect to the CFPB and continue to take part in Racketeering means with furnishers who have also been put on NOTICE. TRANSUNION has sent me a letter stating their RE-investigation has been completed this is in fact a STALL-TACTIC because I DID NOT REQUEST REINVESTIGATION. TRANSUNION IS BIAS IN THEIR INVESTIGATION. I DEMANDED DELETION IN RESPECT TO TRANSUNIONS GRAVE DUTIES RESPONSIBILITIES TO ENSURE RESPECT AND BANKING SYSTEM CONFIDENCE which they have not. Because of TRANSUNIONS WILLFULL FEDERAL VIOLATIONS I have lost confidence in the banking systems and I will NO LONGER extend my credit UNTIL THIS MATTER IS RESOLVED. I DEMAND TRANSUNIONS TO ACT IN GOOD FAITH AND SHOW RESPECT TO I THE CONSUMER AND SHOW RESPECT TO THE C.F.P.B. and perform accordingly and delete demanded accounts permanently.

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 2022-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I made a payment of {$600.00} through XXXX with my checking account at Chase which turned out to be a scam. The seller never send me the merchandise ( electronic concert ticket ). 
I called Chase in about 30mins after I made the transaction, while both the bank transaction and XXXX transaction were still in pending status. The first Chase representitve on call promised me a temporary refund of {$600.00} on my account but later when I made another call they refused that which confused me. Chase said they would investigate into it but the refund would not be guaranteed. 

Amount : {$600.00} Date : XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I attempted to update my payment account for multiple days weeks and months. I emailed the company for assistance. I even messaged the company to make the aware that there is a glitch in the app where I couldnt update payment info due to the app asking me to verify my address and the kicking me out over and over. After looking on their instagram page many people have had the same issue and then they report payments past due when the consumer is trapped in not being able to make a payment. This app should be shut down. I would like this account removed or updated to positive payment history. I have photo and email evidence of my attempts to pay prior to being past due. 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 non-monetary relief
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I attempted to update my payment account for multiple days weeks and months. I emailed the company for assistance. I even messaged the company to make the aware that there is a glitch in the app where I couldnt update payment info due to the app asking me to verify my address and the kicking me out over and over. After looking on their XXXX page many people have had the same issue and then they report payments past due when the consumer is trapped in not being able to make a payment. This app should be shut down. I would like this account removed or updated to positive payment history. I have photo and email evidence of my attempts to pay prior to being past due. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I attempted to update my payment account for multiple days weeks and months. I emailed the company for assistance. I even messaged the company to make the aware that there is a glitch in the app where I couldnt update payment info due to the app asking me to verify my address and the kicking me out over and over. After looking on their XXXX  page many people have had the same issue and then they report payments past due when the consumer is trapped in not being able to make a payment. This app should be shut down. I would like this account removed or updated to positive payment history. I have photo and email evidence of my attempts to pay prior to being past due. 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 2022-10-28 00:00:00
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
Thank you so much for taking the time to help me, this has been an on going dispute for 4 months. The credit card that I'm speaking about is a ulta credit card, I will leave he numbers at the end of his message. I discovered a fraudulent use on my ulta CC after looking at my credit report on XXXX XXXX. My husband pays the bills '', he would pay all bills with a flat amount mostly above and beyond to pay cc off quickly. Bill pay is automatically set up. Please see statements. I called and spoke with customer service, twice in 3 days. I wanted an answer as to " why We have NEVER Received statements for this credit card '', what was charged on this card? Why is there only late fees and interest as charges? They could not give me an answer, I filed a dispute. I reported this card as fraudulent not my charges and paid in full ( over two years ago ) Unfortunately, my husbands mistakably continued to pay it. Lastly, asked OCC to remove a late 30day on my credit report. Also, in XXXX I went on line and registered for on line statements, I went as far back as the online statements would allow and there is nothing but late charges and interest. After four months of waiting for a response I called the credit card company to ask about the payment I didn't want another 30 day late on my credit report. And I wanted to know the resolution of the dispute. At this point when I called the credit card company, I was given the runaround, they said I needed to speak to a different department and when they would transfer me they would hang up on me. This went on for about two weeks, finally I called and asked for the manager and I demanded an answer. I was told that they did not approve the dispute because I had filed for a bankruptcy back in XXXX? I said that has nothing to do with this fraudulent credit card. They said I had to continue paying and they would not take off the 30 day late. I desperately need help in this situation please let me know if you have any other questions. They have never sent me a written report. I am requesting all my money back from the overpayment of a paid off credit card and the fraudulent charges on the credit card removed. Please let me know if you have any questions. XXXX XXXX XXXX XXXX last four digits of the credit card or XXXX To date ulta CC did take off the 30day late.

Company response to consumer: Closed with monetary relief