vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XXXX XXXX XXXX  - I recieved a deposit. Within an hour or two ; six transactions were made. I looked up the company, and the very first thing to pip up was a XXXX article. I clicked on that article and chime financial posted a screenshot of someone with that transaction. I typed the address and things weren't adding up. Given the phone number went XXXX. The number listed right above that I called, and said can not be completed as dialed. So I called chime went to pull all of my money. In that process they said nothing about a temporary card. They just said a new one will be sent in 7-10days. I had to pay rent - well that supervisor hung up. So when I spoke to someone stating the company doesn't exist and from what I've seen- they were aware of this. They said sorry they can't realse my funds by me agreeing to the terms. Instead that same day cause I was mad it's the holidays- I lost XXXX gifts for my kids- they send me a strike cause I said I proved it's false ill agree to the terms just let me get my kids gifts ( it was a total of 8 transfers just to get my funds- ATM withdraws are a limit of XXXX $ ) that's appropriate behavior but me being annoyed trying to process what I say and researching just wanting it back - is inappropriate behavior. Customer service sent more energy with an email for a " strike '' but when we have already looked into the transactions etc- they withhold funds or transfer you to wrong departments etc. Why wasn't a email or text sent out for this company etc - I don't understand but do understand if it's a custom it ordered for a small business u have to wait for them to respond etc. It takes 2 seconds to call 2 numbers and look at files- when we call. That's when u send us the form. It's laziness honestly backed by a flawed policy that they will tell u on the phone or sooner than 10 days and I called them out on that with a supervisor etc - that's how I got the strick before they say they can't satisfy me - at that point I unload because it's my money and life they tamper with for what? - a form being signed and lack of making customers ( more like our financial institution is safe because it's our funds etc )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-26 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: MD

Complaint narrative:
On XX/XX/XXXX, I paid my XXXX credit card balance, as reflected in the attached account statement and screenshot of the transaction. However, XXXX reported an incorrect balance before the end of the billing period because XX/XX/year>, was a non-business day. This unfairly impacted my credit history by showing a balance that was already paid. Please review the attached documents to verify the payment and correct the reporting.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. MXXXX XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-26 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : DISPUTE REGARDING ADDRESS AND PERSONAL INFORMATION ON MY CREDIT REPORT Dear CFPB, I am writing to dispute the reporting of multiple addresses and certain personal information on my credit file. My correct and only address is : XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX. 

I have resided at this address for more than 20 years and do not wish to have any other addresses associated with my credit file. All other addresses must be deleted from my report as they are inaccurate or outdated. 

Additionally, I do not authorize the inclusion of my phone number or email address in my credit file. I value my privacy and prefer not to have this information listed. 

Furthermore, I explicitly request that my employment information and any records related to my college or academic status be removed from my credit file. This information is not accurate and should be deleted. 

LEGAL BASIS FOR MY REQUEST According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain accurate and up-to-date information on credit reports. Specifically : SECTION 609 ( A ) ( 1 ) : Consumers have the right to access and dispute inaccuracies in their credit report.

SECTION 611 ( A ) : Credit reporting agencies must investigate disputed information and correct or delete inaccuracies promptly.

SECTION 605 ( D ) : Only accurate and necessary information may be included in credit reports.

It is improper and misleading to list more than one current address on a credit file, as it may create confusion for creditors or potential lenders. Including unnecessary personal information, such as phone numbers or email addresses, further violates privacy expectations under FCRA. 

REQUESTED ACTION XXXX. DELETE ALL ADDRESSES FROM MY CREDIT FILE EXCEPT XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX. 
XXXX. REMOVE ANY LISTED PHONE NUMBERS OR EMAIL ADDRESSES FROM MY CREDIT FILE. 
XXXX. DELETE ALL INFORMATION RELATED TO MY EMPLOYMENT AND COLLEGE STATUS. 
XXXX. PROVIDE ME WITH AN UPDATED COPY OF MY CREDIT REPORT REFLECTING THESE CHANGES. 

Please treat this letter as a formal dispute under the FCRA. I expect a response within 30 days of your receipt of this letter, as required by law. 

Thank you for your prompt attention to this matter. Should you require additional information, you may contact me at the above address. 

Sincerely, XXXX XXXX XXXX XXXX H XXXX, NY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : DISPUTE REGARDING ADDRESS AND PERSONAL INFORMATION ON MY CREDIT REPORT Dear CFPB, I am writing to dispute the reporting of multiple addresses and certain personal information on my credit file. My correct and only address is : XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX. 

I have resided at this address for more than 20 years and do not wish to have any other addresses associated with my credit file. All other addresses must be deleted from my report as they are inaccurate or outdated. 

Additionally, I do not authorize the inclusion of my phone number or email address in my credit file. I value my privacy and prefer not to have this information listed. 

Furthermore, I explicitly request that my employment information and any records related to my college or academic status be removed from my credit file. This information is not accurate and should be deleted. 

LEGAL BASIS FOR MY REQUEST According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain accurate and up-to-date information on credit reports. Specifically : SECTION 609 ( A ) ( 1 ) : Consumers have the right to access and dispute inaccuracies in their credit report.

SECTION 611 ( A ) : Credit reporting agencies must investigate disputed information and correct or delete inaccuracies promptly.

SECTION 605 ( D ) : Only accurate and necessary information may be included in credit reports.

It is improper and misleading to list more than one current address on a credit file, as it may create confusion for creditors or potential lenders. Including unnecessary personal information, such as phone numbers or email addresses, further violates privacy expectations under FCRA. 

REQUESTED ACTION XXXX. DELETE ALL ADDRESSES FROM MY CREDIT FILE EXCEPT XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX. 
XXXX. REMOVE ANY LISTED PHONE NUMBERS OR EMAIL ADDRESSES FROM MY CREDIT FILE. 
XXXX. DELETE ALL INFORMATION RELATED TO MY EMPLOYMENT AND COLLEGE STATUS. 
XXXX. PROVIDE ME WITH AN UPDATED COPY OF MY CREDIT REPORT REFLECTING THESE CHANGES. 

Please treat this letter as a formal dispute under the FCRA. I expect a response within 30 days of your receipt of this letter, as required by law. 

Thank you for your prompt attention to this matter. Should you require additional information, you may contact me at the above address. 

Sincerely, XXXX XXXX XXXX XXXX H XXXX, NY 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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX  who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-26 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigatio
n, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-11-26 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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-11-26 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:
Dear CFPB, I am filing this complaint against credit reporting agency and XXXX 's for violating the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i. This reporting agency is inaccurately reporting late payments on my XXXX Account info Account number XXXX. Despite disputing this information on XXXX, the errors remain unresolved. This Reporting Agency has failed to conduct a reasonable investigation ( 15 U.S.C. 1681i ) and ensure accurate reporting ( 15 U.S.C. 1681e ( b ) ). XXXX XXXX has further violated 15 U.S.C. 1681s-2 ( a ) by furnishing false information. This misinformation has caused undue stress and hindered my ability to secure financing for a mortgage. I request the CFPB investigate these violations and require the removal of the inaccuracies from my credit report. Thank you for your attention. Sincerely, 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 2024-11-26 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: GA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint to address systemic issues with Equifax, including its failure to ensure accuracy, discriminatory practices, and its negligence in safeguarding consumer data. XXXX practices have caused me significant harm by denying me access to housing and credit, which are essential for basic living needs.

Violations and Legal Basis : 1. Violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) : Equifax has failed to adopt procedures ensuring maximum possible accuracy, resulting in errors that have caused me repeated harm.

15 U.S.C. 1681g : Equifax fails to provide adequate transparency, denying me full access to information used in my credit file.

2. Negligence in Data Security Equifaxs 2017 data breach exposed the personal information of 147 million consumers, including Social Security numbers, which constitutes gross negligence in safeguarding sensitive data.

3. Discriminatory Practices Under the Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 : XXXX reliance on discriminatory credit scoring metrics disproportionately harms individuals without traditional credit histories, creating systemic inequities. 
Impact on Me : XXXX practices have directly harmed me by : -Preventing me from securing housing due to inaccuracies in my credit report. 
-Hindering my access to credit, despite my lawful capacity to contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300000.00} Late/Open Late 120 Days XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Charged off XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$780.00} Charged off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Charged off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: FL

Complaint narrative:
My privacy rights are safeguarded by laws established by Congress to protect consumers. Allowing unauthorized access to my financial data not only violates federal laws but also infringes on my constitutional rights, resulting in significant harm and distress.

Company response to consumer: Closed with non-monetary relief