vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have an online banking acct with chime bank also known as XXXX  XXXX  I have had the acct almost ten years. 2 years ago I was locked out of my acct and have written emailed called over 100 times in an attempt to resolve this I still can not access my acct yet they continue to accept my direct deposit each month I am attaching a conversation from yesterday where again. I attempted to do this and was met with yet more harassment from this company I have over 20 of these conversations on file where I have done the same thing and they continue to bully me and still have acct locked. The second is the conversation yesterday where after 10 hours of me providing over and over what they asked for they just keep asking for the same thing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
Please clarify what is insufficient information? I provided a dispute letter and ID to verify my identity. Please provide a copy of supporting documents to support the debt bearing the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: FL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: FL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has 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 an 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 2023-09-26 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent accounts appearing on my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I sent a request to Transunion to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Transunion did not take any action regarding the incorrect and fraudulent information on my credit report. Transunion did not even verify any information as the should be law. I contacted the creditors of the fraudulent accounts and they had different Addresses and phone numbers in their file. This is a clear violation of the section 605B of the Fair Credit Reporting Act and Transunion should be held accountable.

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 2023-09-26 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: NRA Group, LLC
State: NY

Complaint narrative:
I have reached out to this company on XX/XX/2023 via us mail, i have also reached out to this company via CFPB. National recovery agency responded with a Frivolous response. This company has lied and stated that i sent Cease and Desist so they were not able to respond, In my cease and Desist i made my DEMANDS very clear to only be contacted via us mail and CFPB. This company has tarnished my name and general reputation, disregarded my request to not communicate with me in any form including reporting alleged debt on my consumer report, reporting to consumer reporting agencies without my consent and having my Non public ( private ) information. National recovery agency chose what to abide by in my cease and desist demand letter and continued to report alleged debt without providing me the proper verification. I am now requiring monetary relief with depletions of alleged debt on my consumer resorts. Due to false reporting, ignoring my cease and Desist demands, and not having my prior consent to report such alleged debt!

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
There may be a mistake, these accounts are not mine and they may be affecting me. You can remove them. 
XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: RI

Complaint narrative:
There may be a mistake, these accounts are not mine and they may be affecting me. You can remove them. 
XXXXXXXX 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 explanation
Consumer complaint received 2023-09-26 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: IL

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. 

I told the XXXX and Transunion, to reinvestigate this account : Account name : XXXX XXXX Account name : # 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 that 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 credit reporting. I have evidence to prove my case.

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 2023-09-26 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: IL

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. 

I told the Experian and XXXX, to reinvestigate this account : Account name : XXXX XXXX Account name : # 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 that 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 credit reporting. I have evidence to prove my case.

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 2023-09-26 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: CA

Complaint narrative:
Subject : Request to Remove Duplicate and Fraudulent Accounts - Case : [ Police Report Number : XXXX ] Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding a duplicate account that has been opened fraudulently in my name. I kindly request your assistance in resolving this matter promptly. The details of the fraudulent accounts are as follows : XXXX. Account XXXX : XXXX XXXX  Account XXXX : XXXX XXXX. Account Name : XXXX  Account Number : XXXX I would like to emphasize that I was not present in the country during the entire period when these accounts were active, specifically from XX/XX/XXXX through XX/XX/XXXX. As evidence supporting my claim, I have attached a copy of the police report filed regarding this fraudulent activity. The police report number is XXXX. 

Additionally, I have also filed a complaint with the Federal Trade Commission ( FTC ), and the corresponding complaint number is XXXX. I kindly request that you coordinate with the FTC to expedite the resolution of this matter. 

These fraudulent accounts have caused significant hardship in my life, both financially and emotionally. I urge you to take immediate action to remove these accounts from my record. I kindly request that you thoroughly investigate this matter, ensuring that my personal and financial information is protected from further misuse. 

I appreciate your attention to this urgent matter and your dedication to consumer protection. Please feel free to contact me via the provided contact information if you require any further clarification or documentation. I look forward to a prompt resolution of this issue. 

Thank you for your assistance.

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 2023-09-26 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: CITIBANK, N.A.
State: TX

Complaint narrative:
This is a formal complaint against BESTBUY/CBNA, a financial institution, and XXXX, a consumer reporting agency, for multiple and egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and the Privacy Act of 1974, 5 USC 552a , as well as other relevant statutory and regulatory provisions. This complaint pertains to excessive, non-consensual inquiries into my account and inaccuracies in XXXX 's credit reports, particularly when compared to reports from XXXX and XXXX. 

The Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ), mandates that consumer reporting agencies, like XXXX, exercise their substantial responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. In this regard, the Privacy Act of 1974, 5 USC 552a, establishes safeguards for personal information held by federal agencies. BESTBUY/CBNA, as a financial institution, is obligated to respect the privacy of its customers and protect the security and confidentiality of nonpublic personal information, as articulated in 15 USC 6801 . 

However, my complaint revolves around the excessive, non-consensual inquiries made into my account. 15 USC 1681 section 604 ( a ) ( 2 ) clearly states that consumer reporting agencies may furnish a consumer report only " in accordance with the written instructions of the consumer to whom it relates. '' Neither BESTBUY/CBNA nor XXXX obtained my consent, let alone written consent, to furnish this information. Consequently, I formally revoke any and all consent, regardless of its form, be it verbal, non-verbal, written, implied, or conveyed by any other means, to XXXX, XXXX, XXXX, and BESTBUY/CBNA. 

Furthermore, my complaint extends to the inaccuracies in XXXX 's credit reports. 15 USC 1681e mandates that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title. '' XXXX 's credit report inaccuracies, particularly concerning inquiries, violate these procedures. 

Specifically, XXXX 's credit report contained inquiries that were not present in the reports from XXXX and XXXX, a clear violation of the accuracy requirements under FCRA. These inaccuracies cause undue harm and confusion to consumers like me. 

I request that the CFPB conducts a thorough investigation into this matter, emphasizing the excessive violations of privacy and the inaccuracies in XXXX 's reports. I further request that appropriate actions be taken to rectify these infringements, and that XXXX is held accountable for its failure to maintain reasonable procedures.

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 2023-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: MO

Complaint narrative:
I called Edfinancial almost two months ago to request a change to my payment plan where I would be switched to a standard payment plan. They have still not made the change.

I have been calling non-stop for the last week. I was able to get a hold of someone weeks ago who reassured me that my change would be processed in two weeks. It still has not happened.

I have been calling Edfinancial and can not get through to anyone. Last Friday XX/XX/XXXX I was on hold for over two hours. Today on XX/XX/XXXX I was on hold for 7 hours after being told my wait time would be 175 minutes. Nobody answered and ultimately my call was dropped or I was hung up on at seven hours on hold.

The times I have requested a call back my phone rings briefly or they never call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon trying to get XXXX wireless cellular phone service I was informed by one of the representatives that I had accounts open in my name that I did not authorize or know anything about for over XXXX XXXXXXXX dollars. The fraud prevention specialists then inform me to make out a police report and provide proof of my address and identification and send back to XXXX XXXX. Upon doing that I looked on my credit report and notice all types of inquirys and accounts in my name that I didnt authorize or know anything about. Someone run my credit for a car loan and put more then ten inquirys on my credit. Also I have inquirys for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also a account for XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that i did not authorize.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This account has not been properly verified. DATE OF LAST ACTIVITY IS INACCURATE. 


PLEASE DELETE the following account immediately for failing to comply with FCRA. XXXX XXXX XXXX THANK YOU FOR YOU TIME

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 2023-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon trying to get XXXX XXXX  cellular phone service I was informed by one of the representatives that I had accounts open in my name that I did not authorize or know anything about for over XXXX XXXXXXXX dollars. The fraud prevention specialists then inform me to make out a police report and provide proof of my address and identification and send back to XXXX XXXX. Upon doing that I looked on my credit report and notice all types of inquirys and accounts in my name that I didnt authorize or know anything about. Someone run my credit for a car loan and put more then ten inquirys on my credit. Also I have inquirys for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also a account for XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX that i did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: CA

Complaint narrative:
Subject : Request to Remove Duplicate and Fraudulent Accounts - Case : [ Police Report Number : XXXX ] Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding a duplicate account that has been opened fraudulently in my name. I kindly request your assistance in resolving this matter promptly. The details of the fraudulent accounts are as follows : XXXX. Account XXXX : XXXX XXXX  Account XXXX : XXXX XXXX. Account Name XXXX XXXX Account Number : XXXX I would like to emphasize that I was not present in the country during the entire period when these accounts were active, specifically from XX/XX/XXXX through XX/XX/XXXX. As evidence supporting my claim, I have attached a copy of the police report filed regarding this fraudulent activity. The police report number is XXXX. 

Additionally, I have also filed a complaint with the Federal Trade Commission ( FTC ), and the corresponding complaint number is XXXX. I kindly request that you coordinate with the FTC to expedite the resolution of this matter. 

These fraudulent accounts have caused significant hardship in my life, both financially and emotionally. I urge you to take immediate action to remove these accounts from my record. I kindly request that you thoroughly investigate this matter, ensuring that my personal and financial information is protected from further misuse. 

I appreciate your attention to this urgent matter and your dedication to consumer protection. Please feel free to contact me via the provided contact information if you require any further clarification or documentation. I look forward to a prompt resolution of this issue. 

Thank you for your assistance.

Company response to consumer: Closed with explanation