vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. 

Id notified XXXX, TransUnion and XXXX to reinvestigate these accounts : XXXX XXXX account # XXXX, XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. Which is deem inaccurate due to the inaccuracy from the account tenured start date, account date last activity and invalidated outstanding balances. According to statue 15 USC 1681i ( 5 ) accounts with improper data reporting are subject to modifications.

15 U.S.C 1681 section 602 A. states consumers have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : Also states a consumer reporting agency can not furnish a account without the consumer 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 conviction 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 the information provided is inaccurate.

Also the inaccuracies on these report are not corresponding with appropriate validation under metro 2 compliance. Please review documents to prove this case has regulatory evidence for endorsing truth.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reached out to the Credit Reporting Agencies and informed them of the issue at hand. I requested an investigation of the matter, but the results of their investigation were inaccurate. I then reached out to my Creditor directly and they then informed and provided me with documents illustrating the correction of the information and informed me that the Credit Reporting Agencies are reporting information inaccurately on my credit report. The 3 major CRA 's continue to report inaccurate information on my credit report despite the knowledge that the information they are reporting are inaccurate. Due to Experian, XXXX and XXXX 's negligence, my livelihood has been negatively impacted and the reporting of such negative/incorrect information has wrongfully impacted my ability to obtain credit and has resulted in my denial for credit when applied for. Furthermore Experian, XXXX and XXXX are all reporting the same inaccurate information differently on their credit report system and all differs from that of my original Creditor 's. This is a clear violation of my rights, and they are in violation of the law.

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 2023-08-18 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: FL

Complaint narrative:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm - a credit company that gives shoppers another to pay for their online purchases. I had someone call me from Affirm ( XXXX-located in California XXXX on XXXX XXXX XXXX  saying that someone was trying to open up an account in my name and that I needed to fill in that I refused the debt. The number he was calling from was definitely the Affirm phone number. After this happened, I call Affirm and told them about what happened because I felt that the call was fraudulent. The next thing I know is that I owed Affirm {$2100.00} that I did not owe. I tried telling Affirm that this was a fraudulent loan. They said that they would investigate but it would take up to 90 days to resolve and that I would have to make the payments anyway. I told them that I would not make payments on a loan that I did not owe. They will not let you speak with anyone at Affirm and all discussions about this matter is done by email only. I joined XXXX and a XXXX XXXX XXXX has been trying to help me get this issue resolved for several months now. Affirm send me an email on XX/XX/XXXX that they found that this was my loan and I had to pay. After I made a complaint with the better business bureau and I thought that I had made XXXX with you, they said they would reopen the case. The XXXX  rep and call Affirm about every XXXX weeks to see if they have finally resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/ I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The file is attached with all information needed. Please remove this from my credit report. This is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Date of inquiry : XX/XX/2023 Claim number : XXXX On XX/XX/XXXX, i notified Chase of fraudulent transactions made on my card, shortly after i had 2 transactions refunded and the rest were denied. I have called chase time and time again to resolve the issue with little to no help. The claim was denied, and i reopened the dispute which i then provided more evidence for, claim was still denied.

The claim totaled about {$2500.00} which chase has refused to help me with. Im confused as to why 2 transactions would be refunded and the rest denied.

Customer support has been atrocious, even after speaking to a XXXX ( XXXX ) which was less help than any other agent. 

Im writing this with the hopes i can get my money back ( rent ) to be exact.

Im appalled at the decisions this company has taken and the lack of support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime bank has {$400.00} of my money on deposit with them that they acknowledge. I have tried every which way to have it transferred to my bank account. Their stupid app says that everything is hunky-dory, but then they say it isnt. They are a total rip off!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: TX

Complaint narrative:
I am writing to dispute the accuracy and completeness of my consumer report that you have provided to me and other parties who have received this report. I believe that my consumer report is not in compliance with the laws set forth by the United States Code ( USC ) governing consumer reporting agencies. 

Specifically, I believe that the information contained in my report is inaccurate, incomplete, and misleading. This inaccurate information is harming my ability to obtain credit, employment, and other important opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like yours are required to ensure that the information contained in consumer reports is accurate, complete, and up-to-date. The FCRA also requires that consumer reporting agencies investigate any disputes that are submitted by consumers like myself. 

I am requesting that you investigate the inaccurate information in my report and take steps to correct it. I am also requesting that you remove the accounts listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter. I look forward to hearing back from you. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023 I tried to access my Chase online banking account, but when I logged in it said that there was fraudulent activity and I could not access the account and it said that I should call the bank. 

So then I called the bank and the told me that my account was slated for closure and they would not tell me why, or when they would close the account. They also said that there is nothing I can do And that I would not be able to access the online billing portal where I have not only the checking account that was closed but also my two credit cards. 

They said that I would not be able to access the funds until I received a check in the mail two weeks later. They also said that part of my agreement that I signed when I made the account what's the deck and close my account at any time without prior notice, or letting me know why. 

This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: TX

Complaint narrative:
I am writing to dispute the accuracy and completeness of my consumer report that you have provided to me and other parties who have received this report. I believe that my consumer report is not in compliance with the laws set forth by the United States Code ( USC ) governing consumer reporting agencies.

Specifically, I believe that the information contained in my report is inaccurate, incomplete, and misleading. This inaccurate information is harming my ability to obtain credit, employment, and other important opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like yours are required to ensure that the information contained in consumer reports is accurate, complete, and up-to-date. The FCRA also requires that consumer reporting agencies investigate any disputes that are submitted by consumers like myself. 

I am requesting that you investigate the inaccurate information in my report and take steps to correct it. I am also requesting that you remove the accounts listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Thank you for your attention to this matter. I look forward to hearing back from you. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: TX

Complaint narrative:
I am writing to dispute the accuracy and completeness of my consumer report that you have provided to me and other parties who have received this report. I believe that my consumer report is not in compliance with the laws set forth by the United States Code ( USC ) governing consumer reporting agencies.

Specifically, I believe that the information contained in my report is inaccurate, incomplete, and misleading. This inaccurate information is harming my ability to obtain credit, employment, and other important opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like yours are required to ensure that the information contained in consumer reports is accurate, complete, and up-to-date. The FCRA also requires that consumer reporting agencies investigate any disputes that are submitted by consumers like myself. 

I am requesting that you investigate the inaccurate information in my report and take steps to correct it. I am also requesting that you remove the accounts listed. 

XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Thank you for your attention to this matter. I look forward to hearing back from you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

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. 

Id notified XXXX, XXXX and Equifax to reinvestigate these accounts : XXXX XXXX account # XXXX, XXXX account # XXXXXXXX XXXX account XXXX XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. Which is deem inaccurate due to the inaccuracy from the account tenured start date, account date last activity and invalidated outstanding balances. According to statue 15 USC 1681i ( 5 ) accounts with improper data reporting are subject to modifications.

15 U.S.C 1681 section 602 A. states consumers have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : Also states a consumer reporting agency can not furnish a account without the consumer 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 conviction 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 the information provided is inaccurate. 

Also the inaccuracies on these report are not corresponding with appropriate validation under metro 2 compliance. Please review documents to prove this case has regulatory evidence for endorsing truth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 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: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
Hello I have called twice XXXX XXXX to request a copy of the original email that was allegedly sent to my email on XX/XX/2023 notifying me about the debt. If it was indeed sent on XX/XX/2023 I was not given the 30 day window for me to dispute, verify or pay the debt before it was reported to the credit bureaus. I am requesting a copy of the original email containing the notice with the to and from sections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
Americredit/GM Financial advisor told me that I would have to pay the entire balance of XXXX to get possession of the XXXX XXXX XXXX that I have a past due balance of {$2400.00}, they also said that they were going sell the vehicle on the XXXX of XX/XX/XXXX, without any other type of remedy, I explained to them about the payment that has been mailed certified mail,XXXX  and I want to get the rest of the balance if sold before it reaches them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Last week, I became aware of an XXXX XXXX XXXX CitiBusiness Platinum Select Master card that was opened in my name. I called to try to check on the balance of the card and possibly cancel it, and since I was not able to provide the " security word '' for the account, they would not allow me access to the card. I had already explained to the individual that I did not open or setup the account so I would not have access to any information about the account. 

I reported the card as stolen and received a new card in the mail and they will not activate the card or give me any information about the account that was opened in my name. I finally requested that the card be cancelled and they said they could not do that. I requested to speak to a supervisor and was disconnected each time I called.

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