vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 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: PA

Complaint narrative:
I call experian spoke to XXXX in the special services department XXXX was very rude did not want to help me with my request and when I asked why she can't access me she told me to send in my information even when I already did and they delete the incorrect information then I looked a month later and re-inserted the same information they deleted off my credit report. Please hold XXXX accountable for not doing her job with correcting my name as it is my right to have my information be 100 % accuarate the this name XXXX XXXX and XXXX XXXX XXXX is not my name as you can see on my drivers licences. I also sent proof that the company removed it then reinsert the name again.

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 2023-09-25 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: Fig Tech Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXXXXXX FIG TECH INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: Self Financial Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, XXXX, and XXXX to reinvestigate these accounts : SELF/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to the Bank of America branch at XXXX XXXX XXXX XXXX on XX/XX/XXXX with two {$100.00} and one {$100.00} bill of worn money. I was refused the service of unfit money exchange and the teller asked me to XXXX for solutions. 

The bills I wanted to exchange are only slightly worn. They should definitely be categorized as unfit money according to XXXX XXXX XXXX The pictures of the unfit bills are attached.

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 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
I saw an ad for the XXXX XXXX credit card on the XXXX XXXX XXXX dealer website. The ad said get a {$100.00} statement credit after 1st. purchase at the dealer. I called several times the First National Bank of Omaha, XXXX XXXX XXXX XXXX XXXX XXXX on how to get the credit and about a long delay in receiving the credit card. I made the 1st. purchase on XXXX at XXXX XXXX XXXX. I called the bank on XXXX because I did not get the {$100.00} statement credit. I spoke with manager XXXX. He said I will not get the {$100.00} statement credit because I took too long to make 1st. purchase. The several telephone calls I made did not explain the time limit on 1st. purchase. I think 1st. Natl. Bank of Omaha should give me the {$100.00} statment 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 explanation
Consumer complaint received 2023-09-25 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: WI

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have an American Express business credit card that has a fraud alert on there and back on XX/XX/XXXX I sent in documents stating who I was and also notarizing a paper that American Express provided to me. I also sent it in a copy of my driving license and a copy of my passport sent who I am and they said that it was gon na take 3 to 5 business days to fix it. Were now at a month And three days and I still can not get a supervisor to talk to me. I get all of these people talking and they said the quickest way is to go through notary cam. I tried that they cant get the questions that come up to ask me, so thats not an option so I went to the bank and today XX/XX/XXXX on the month and three days I got a call from American Express not saying that my card is unlocked. They are saying that they did not accept my documents saying that theyre going to go to that I need to go to a XXXX XXXX or a XXXX XXXX  or a bank, which I went to a bank, XXXX XXXX to be exact to get my paper notarized, and I sent it to them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
I sent a post office letter to reliable credit association Asking to prove the debt they say I owe Them. Recently I have gotten nothing in the mail yet calls emails and text plus my car being subject to impound since the XX/XX/XXXX notice was sent. I wrote them back ... Quote Your are breaking the Law Sent you a certificated letter Validation proof Under the Law until the information I request is Sent by to me in Letter Form this is Concerned Harassment I have paid last month out of Honor. 
XX/XX/XXXX of this year 2023 I have not received nor gotten a response from you concerning the Validation process Obligating me to this financial agreement. of contract Again this letter .Today being sent asking for currency payments is not good business practice nor professional ..by Law 15 USC 1892g.n to me Has broken laws pertaining to this agreement. TODAY I sent this email to Them and made clear I would send you Proof

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: T.S. Holdings
State: LA

Complaint narrative:
My information was used and there are utilitiy account and apartments open in my name and Ive tried getting them removed and letting the companies know they don't belong to me but they are refusing to remove them and being very rude and threatening me about it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
XXXX a retail account was opened with Fortiva for XXXX security system. Between XXXX to XXXX I gave approval for Fortiva to do automatic payments using my debit card. At some point after XXXX Fortiva switched my account to a credit card without getting my authorization for a credit card. I found out that this was done when I start receiving payment notices with late fees. I then called in and advised the representative and the manager I spoke to that I did not authorize a credit card and I also had an approval on file to pay the retail account via my debit card. 

The manager then proceeded to say once they changed the account to a credit card they no longer had my authorization for payments. I asked why would they give me a credit card I did not apply for and did not authorize. Fortiva could not explain that and I asked to close the account because that is fraud. I also asked the manager to clear the late fees as this was not my fault and I did not approve a credit card in my name, which he refused. Now, Fortiva is reporting this to my credit score as late payments with late fees. As a consumer this is unfair. I have tried several times to have this fixed with no results. Please help me, thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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.

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account Number # XXXX XXXX XXXX and Account number # XXXX XXXX XXXX have violated my rights. 

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.

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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX - XXXX XXXX XXXX These accounts were reported in my information and are not mine

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 2023-09-25 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: IL

Complaint narrative:
I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

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 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: FL

Complaint narrative:
I have 2 accounts with XXXX XXXX both had incorrect monthly payments and they were using my full balances for the monthly amount. Experian has corrected these numerous times but after a month it defaults back to the incorrect monthly amount. As per our monthly agreement I pay {$100.00} auto out of my checking account. Making account # XXXX {$36.00} per month and the other account # XXXX {$64.00} per month = {$100.00} for both. 
XXXX has been corrected AGAIN but XXXX has NOT!!! I have multiple before and after corrections, direct from Experian 's own App. I have called, disputed, uploaded and now it is holding up my home mortgage application!!!! 
Please help!! I don't know how much simpler I can explain.

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 2023-09-25 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: WI

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: RI

Complaint narrative:
XXXX - XXXX XXXX XXXX paid {$34.00} I had gotten XXXX XXXX one day, and in my delivery instructions, I have included to not leave my food outside on the ground. I do this with every order, because the ground outside is filthy, and is just pure cement. I typically do not like my food sitting where animals track, XXXX, and XXXX on. 

So in my instructions, I always right to leave on the front porch where all they have to do is open a glass door and leave the food there. The XXXX that handled the XXXX XXXX delivery decided to ignore that note, and leave it on the ground in animal filth ( XXXX and XXXX ). 

Due to my XXXX, I have to be extra careful when it comes to stuff like this, so I had to throw the order away. I've contacted XXXX XXXX about the order, and they refused to refund, as they only care about if the delivery was made, not the quality of the food. 

I've made a dispute in CHIME BANKING, owned by the XXXX XXXX, to protect me in situations like this, as they usually do, and this time, it took a month for them to finally reply, and they denied the dispute. 

I furiously reached out, asking for a rebuttal, and supplied more information, and requested to be called multiple times, and each time, they deny the dispute and never call me. I've supplied all the information, I gave emails, I gave pictures, I told them that it's inhumane to expect a person to eat food where animals peed and pooped, and they still chose to ignore me. 

They refuse to refund me my {$34.00}, and they refuse to call me when I specifically request them too each time they deny the dispute. I will continue to rebuttal the dispute until I get my money back, or report it to the FTC for refusing to do so. 

They've denied my claim a total of 8 times, including the one from today. I sent them pictures, and the emails, where even XXXX XXXX apologized and said that they would offer the refund if they could, but because it's been over 30 days, they cant, and can only offer coupons. 

I was told by chime that if I send this to their investigations team, they would approve my dispute. They did not. 

Not only this, but I made a complaint to the XXXX XXXX XXXX. Chime LIED to the XXXX and stated that my complaint was directed towards XXXX XXXX, and not chime. I do not even own a XXXX XXXX  account. They are lying because they do not want complaints registered to their bank. It's shady tactics, and they have a history of doing this to other chime bankers, as seen on XXXX where a bunch of people had been wrongfully declined their dispute. 

Everyone recommends to contact the CFPB to help us, and so here I am making my claim as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
These loans through XXXX XXXX were taken by ways of lying to me about tuition discounts and taken in full loads without telling me. They would charge fees for things I did not understand and also I am not able to get a job in a good career as advertised or did I receive any help doing so. These loans are supposed to be discharged through the group discharge. This was between XXXX to XXXX when I received my XXXX XXXX with the school

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-09-25 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts 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 has hurt 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