vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have 128 payment periods with certified employment under the TEPSLF/PSLF program. The XX/XX/XXXX  payment period put me at XXXX, that was when my loans should have been forgiven per the rules promulgated by the Department of Education. At that point, my credit report shoulod have been updated to reflect the balance due was {$0.00} that the loans had been forgiven because I am a XXXX XXXX That has yet to happen -- after 8 months. Because of this 8 month delay in updating the status of my student loans, I have had to pay more interest because of my " excessive unsecured debt '' all because the promises made by the Department of Education have not been kept.

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 2023-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called my bank to let them know two XXXX charges were fraudulently completed using my bank account information. I confirmed that I didn't know who the recipients were. 
The two charges debited by XXXX were on XX/XX/2022. One charge was to a XXXX XXXX for {$200.00} and another was to XXXX XXXX for {$900.00}, both on the same day. 

I called my bank and confirmed fraud, and they said they would look into it. They denied my claim, saying that I did it. I called back and let them know I have absolutely no connection to these people and would not authorize such a charge. They closed my file without doing anything else about it or even looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
Hello, I called in a complaint to your XXXX phone number last week but I have not heard back from anyone yet. Below is the email that my former employer sent out to a past client of mine even though I resigned from Guaranteed Rate XX/XX/2021. They are still advertising by illegally using my name, email, & XXXX. I have had several clients alert me that they have received similar emails to the one below and how can this be compliant when I have not worked there for over XXXX? Please call me at XXXX so we can get to stop. I previously worked at XXXX XXXX who was purchased by GR and I have several former co workers that this is also occurring with their name, email, & NMLS too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Act. # 15 USC 1681 ( 2 ) ( A ) ( i ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s3 of this title, Any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a violation of the FCRA to report " Late payments '' as that is a transaction. XXXX XXXX XXXX # XXXX XXXX XXXX Act. # XXXX XXXX XXXX # XXXX XXXX Act. # XXXX XXXX XXXX XXXX. # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: IL

Complaint narrative:
XXXXct. # 15 USC 1681 ( 2 ) ( A ) ( i ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s3 of this title, Any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a violation of the FCRA to report " Late payments '' as that is a transaction. XXXX XXXX XXXX # XXXX XXXX XXXX  Act. # XXXX XXXX XXXX # XXXX XXXX Act. # XXXX XXXX XXXX XXXX. # XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Payfare International Inc.
State: MN

Complaint narrative:
Since a new ATM replaced the broken one at a FREE ATM location at a XXXX in XXXX, MN the XXXX XXXX  debit VISA card has been charging me an ATM fee of {$2.00} for the 4 times I used it despite it saying its a free ATM and it never charged this before the machine was replaced. XXXX XXXX has only reimbursed me once so I am still out {$7.00} and they refuse to resolve this. The employees are extremely rude and just say they wont fix it and then just hang up on you over and over again. I filed a complaint with the XXXX XXXX XXXX, but they claim its out of their scope without giving reasons why. There should be a class action lawsuit for defrauding customers, stealing from them and committing bank fraud. I reached out to the XXXX ATM regarding this ATM charging a fee when it is supposed to be a free ATM and while they said they would send someone out to see if it needed an update to resolve such an issue, the issue was never fixed and it is still listed as a FREE ATM and it is still charging me {$2.00} every time I use it. 

On XX/XX/23 I was charged a {$2.00} ATM fee at this FREE ATM & on XX/XX/23 I was charged a {$2.00} ATM fees at XXXX free ATM in XXXX and again on XX/XX/23 XXXX  card provided by XXXX XXXX  and sends the money I earn to this debit card charged me a {$2.00} fee when the XXXX app says this is a FREE ATM. The company is impossible to work with and have no desire to follow through on their promise when an ATM is supposed to be free nor any desire to fix the problem going forward for this not to keep happening?! Its so infuriating and frustrating and false advertising fraud! Its theft, thievery!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
There are two ( 2 ) accounts on my credit report for auto loans that I did not authorize & I would like investigated, & removed 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 2023-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I am trying to buy a house and There are multiple negative items on my credit report that are stopping me from getting approved and its ruining my reputation I believe this is defamation of character Credit Acceptance ( Auto ) {$10000.00}

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 2023-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AK

Complaint narrative:
I asked for my account to be closed and for my credit balance to be refunded. My balance was credit of {$38.00}. Comenity sent me two checks, even though I only asked for one. The first check brought my balance to XXXX. Comenity then sent a second check which created a debt on my account of {$38.00}. I received no communication from Comenity that this happened, and because my payment instructions had already been cancelled, no payments were made on this unexpected {$38.00} balance. Comenity has charged multiple late fees and interest on this {$38.00} duplicate check that they sent me, even though it 1 ) was not a purchase, 2 ) was billed to my account after I had requested account closure, and 3 ) was 100 % Comenity 's error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-04 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: Frontline Asset Strategies, LLC
State: SC

Complaint narrative:
Certified dispute letter mailed XX/XX/2023. Dispute letter received XX/XX/2023. Requested verifiable proof of consumer contract with signature that I had an account with this third party agency. Third party agency did not provide consumer contract with signature of account. It is within my right to file a formal compliant of dispute for the misrepresentation, fraudulent use and identity theft of my personal information regarding the CFRA law violations of this third party agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX  XXXX XXXX, trans Union, XXXX, and XXXX is reporting 3 late payments on my credit report therefor prohibiting me from obtaining any new credit accounts with any other financial institution. In addition to that because of this my credit score has dramatically decreased.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX  XXXX XXXX, XXXX XXXX, XXXX, and Equifax is reporting 3 late payments on my credit report therefor prohibiting me from obtaining any new credit accounts with any other financial institution. In addition to that because of this my credit score has dramatically decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a letter from Trans Union responding to my request on XX/XX/2023 to correct inaccurate and incomplete information on my credit report stating that they would not process my disputes because they didn't think they were from me. I have been trying for months to get the inaccurate, incomplete, and unverifiable information on my credit report corrected and Trans Union either don't respond at all or, within the 30 days which is what the CFPB website states is the length of time they have to legally respond, according to the Fair Credit Reporting Act. When they finally respond over 60 DAYS LATER it's a XXXX  letter stating that the dispute, they received wasn't from me or authorized by me and they're are basically accusing me of working with a credit repair company which I AM NOT! 

What I don't understand is why Trans Union is allowed to not comply with the Federal Laws that were put in place to protect consumers like me? I thought the CFPB was supposed to hold these credit reporting agencies in compliance and stop them from violating consumer rights and the Federal Law. How is Trans Union allowed to circumvent the 30-day response time outlined in the Fair Credit Reporting Act? The FCRA says if they don't respond in 30 days, they must delete the information I am disputing! How is Trans Union allowed to break the Federal Law and violate the rights of consumers? The Law is written, the FCRA states if they do not respond within 30 days then the accounts I'm disputing must be deleted! How are Trans Union and the other credit reporting agencies allowed to get away with this? How is Trans Union allowed to send a letter, which I believe is nothing more than a stall tactic, for them to not investigate my disputes at all? 

It's obvious by this letter they sent, that they don't want to comply with the law, and this is when we need the CFPB to protect consumer rights against these credit reporting agencies who seemingly have no oversight and are allowed to violate the Federal Law freely with absolutely zero consequences.

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 2023-04-04 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I am writing this complaint against XXXX for Breach of Contract and False Credit Reporting. 

XXXX agreed that if I paid they would delete any and all references to an alleged collection account from my credit report within 30 days upon receiving payment. 

XXXX received payment by check per our agreement and drafted funds in the amount of {$520.00} out of my bank account which posted on XX/XX/XXXXXXXX XXXX XXXX ( Bank statement attached ). 

150 ( ONE HUNDRED FIFTY ) days have passed since receipt of funds and the account XXXX HAS NOT been deleted from my credit files at the three major Credit Reporting Agencies XXXX XXXX, XXXX and XXXX ). 

However, the three Credit Reporting bureaus ( XXXX, XXXX and XXXX ) are all stating that recent reporting activity has been performed on this account, as recently as XX/XX/XXXXXXXX XXXX ( Credit Report attached ). 

On XX/XX/XXXX I wrote XXXX a demand letter sent certified mail since XXXX accepted payment but continues to report on my credit report despite our agreement. 

On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX received my demand letter. 

It appears Target has violated the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 

I have attached proof to this complaint. 

Enclosures : Settlement letter dated XX/XX/XXXX Copy of the settlement check # XXXX Bank statement showing draft on XX/XX/XXXX Copy of credit report showing recent activity. 
Demand letter dated XX/XX/XXXX sent to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IL

Complaint narrative:
XX/XX/XXXX someone hacked my account followed by changing email and phone number. I received emails from Chime Bank at XXXX that my phone number was changed and XXXX XXXX  that my email was changed. I immediately called Chime to let them know I didn't change my email or phone number. I have emails that these were changed back to the correct email and phone number at XXXX XXXX  while I was on the phone with the representative. XXXX I received an email to set a new password which was done while I was on the phone with the staff member. While on the phone with them, 2 charges went through that were not made by me but instead by the person that hacked my account. These charges were at XXXX for {$2400.00} and XXXX for {$2400.00}, as I was on the phone when these came through I told the person I was on the phone with so we could dispute this. I was on the phone for approximately 45 minutes getting a new card ordered and providing the dispute information. 
On XX/XX/XXXX I received an email that the dispute was denied, I called within an hour to discuss with a representative. The representative was unable to help so I spoke with a supervisor, the supervisor made me aware that there was no information on the dispute in regards to my account being hacked. I told him the entire story of what happened, he reopened the claim and asked me to submit proof to the email provided. As soon as I got off the phone with him I sent the email with screenshots about the email and phone number being changed as well as the charges that were made without my consent while I was on the phone with the bank employees. 
Today XX/XX/XXXX, I received an email that the dispute was again denied despite the large amounts of proof that were provided as well as the fact that I have been using Chime for 8 years without issue and it was no fault of my own that my account was hacked as I have never shared my password, my pin, or any of my banking information with anyone but instead that Chime allowed someone to have access to my account and spend over {$4900.00}. 

I have had no success with emailing or calling to get a resolution of this. The resolution that needs to be done is Chime needs to refund the {$4900.00} that they allowed someone else to access and spend.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My rights have been violated as a consumer. I sent multiple letters off to XXXX, Equifax XXXX XXXX about this matter and nobody is doing anything about it. The last letter I sent to all three reporting agencies was XX/XX/2023. I was disputing incorrect information that was put on my credit without my consent continuously and repeatedly. All of this without my consent. I never got a letter. If I did it was dated 30 or more day before I received it. So, I wrote dispute letters to XXXX, Equifax XXXX XXXX using the following laws. 15 US Code 1681 b, 15 US Code 1681 c-1 & 15 US Code 1681 c-2. They won't correct the misspelled names or addresses or respect the law. Please help me this is becoming a big inconvenience because I am trying to buy a home. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, 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:
My rights have been violated as a consumer. I sent multiple letters off to XXXX, XXXX XXXX Experian about this matter and nobody is doing anything about it. The last letter I sent to all three reporting agencies was XX/XX/2023. I was disputing incorrect information that was put on my credit without my consent continuously and repeatedly. All of this without my consent. I never got a letter. If I did it was dated 30 or more day before I received it. So, I wrote dispute letters to XXXX, XXXX XXXX Experian using the following laws. 15 US Code 1681 b, 15 US Code 1681 c-1 & 15 US Code 1681 c-2. They won't correct the misspelled names or addresses or respect the law. Please help me this is becoming a big inconvenience because I am trying to buy a home. Please help me.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Advanced Resolution Services Inc.
State: IL

Complaint narrative:
ARS has refused to send me a copy of my consumer report AND add a security freeze even though I provided all necessary documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
My identity was stolen. XXXX and XXXX immediately allowed me to place a credit freeze on my credit reports. Equifax refused to put an immediate credit freeze on my credit report. They said I would have to wait several weeks to get this done. This is ridiculous as it allows the identity thief to continue to open accounts under my name ( via Equifax only ). Consumers should always be able immediately to freeze their accounts when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The amount reported on my Experian credit report for the balance owed for District at XXXX is incorrect. I have a move out statement from the apartments with the correct amount owed.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 crime which antedates the report more than 7 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 explanation