vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-24 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: CA

Complaint narrative:
I sent my letter off onXXXX 2023. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. I also attached the letter I sent out here is the tracking numbers attached, with letters and credit reports. 
According to the FRCA The term " investigate consumer report '' meansa consumer report or portion thereof in which information on consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquaintedor who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting100 % Accurate, and according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report Showing the inaccuracies attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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 filed a dispute because over a month after I had paid off my account, and the creditor of the account had sent me a letter stating it was PAID IN FULL and is closed. Experian had not updated the item. Whether this was because it had not been reported yet or otherwise is unclear. They closed the dispute as updated information, falsely marked the most recent balance as updated on XX/XX/23, over a month after it was paid off and kept the pre pay off balance. 

Worse they wont let me file a new dispute denying it saying I can not file it again. 

It also states I need to upload documents but when I do the result is still the same and it wont let me file a new dispute. 

They did not tell me how they verified this information either.

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 2023-08-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: KY

Complaint narrative:
Basically, I was using Chime online banking account and when I was working they allowed me to borrow some money from the " my paycheck '' option, where you can borrow a certain amount from your paycheck and since I got payed every two weeks this was a handy emergency lending solution. But I was wrongfully fired from my past employer XXXX XXXX XXXX. I was borrowing money for gas to look for a new job plus for food and certain things. When after a few weeks they took the lending part away and I could no longer see XXXX I owed it so I figured they took my last paycheck since I didnt not get one. And still dont know if the company took it or chime took it. Next I recieved unemployment. Since chime would work and XXXX XXXX wouldnt I still used my chime account for my unemployment. 
I was fired on XX/XX/2023. I recieved my first unemployment check on XX/XX/2023 and realized my back pay wasnt in there. I called the unemployment office and they sent me the correct papars to complete. So Tuesday XX/XX/2023 I spent all evening filling out applications because i desperately needed my back pay to catch up on my bills. Wednesday XX/XX/2023 I recieved my two back pay checks around XXXX pm estimated time and not even a minufe later chime stole my unemployment checks to backpay and settle a debt which I believe is illegal. I thought it was illegal to garnish wages that wasnt a state tax debt, child support or for one other reason that I cant remember off the top of my head at this moment. So basically Chime didnt give me a single warning and took out of {$290.00} they took {$230.00} plus {$11.00} for fees which was the majority of my {$290.00} backpay from unemployment. I think it is wrong to settle debt collection with unemployment and the worse part is I already had another job starting soon on XX/XX/XXXX and was going to use chime but since they didnt wait to take the debt back out of a regular paycheck while also claiming I need to sign up for direct deposit even though I do have my unemployment checks from direct deposited they have screwed me over every way possible. I called them ten times and its always some XXXX person you talk to that doesnt know U.S. Law about unemployment benifits and could care less. They were making fun of me with sarcasm and I am completely done with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Company furnished my consumer report without written instructions which is required as stated in 15 USC 1681 ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-24 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
Affirm is fraudulently reporting an account as 30 days past due even after it was paid in full and Affirm themselves have confirmed via phone call that they report to the credit bureaus on the XXXX of every month. Each payment to them was made between the XXXX and XXXX of each month as displayed in the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: 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 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 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.

These inaccuracies are keeping me from obtaining new 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
Consumer complaint received 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
A incursion on my account ending in XXXX was made by a digital wallet transaction. It was fraudulent and not authorized. I reported it and opened a claim.in XX/XX/2023 The bank assured me that the debt card was dropped. The bank issued a new debit card and I refused to activate it. I continued to monitor the account in XX/XX/2023 new fraud charges appeared on my account and I reported them but the bank did not open a claim. More charges appeared later I called to complain to management but I was told that they would not accept a call. I called a completely different department and opened claims for the transaction in XX/XX/2023 but refused to open claims for all since they say I had not reported them sooner. The told me the debt card was close. They next day the fraudulent charges continued. The bank has been unable to stop this and because of their incompetence continues to say that the older charges will not be reversed. The bank is allowing this steal to continue. I need them to accept the responsibility for their lack of action to protect my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: CA

Complaint narrative:
XXXX reported incorrect information to the credit bureau experien. 

It shows a balance of XXXX $ in XXXX and it shows the month of XXXX installment was paid. 

My next payment is scheduled XX/XX/XXXX. But its reported that XXXX is paid for in my credit report payment history. 

My Balance history for XXXX says XXXX $ and does not have a balance history for XXXX. Yet when XXXX reported my Balance in XXXX it shows XXXX $ in debt. 

It shows that the original balance is less then XXXX $ and specifically states it will not affect fico XXXX 

My fico XXXX score went down due to their reporting nothing has changed on my report for month and my score had stayed the same prior to XXXX reporting a XXXX $ debt. It shows the status of my XXXX account as good standing. 

There is inaccurate and inappropriate reporting going on between XXXX and Experian.

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 2023-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
Its a follow up on pervious case XXXX The case is about a fraud case. USAA responded to me confirmed me that the bank account I sent money to didnt exist at all, so the scammer gave me a wrong number which is a good news to me. From my side XXXX XXXX said the intermediary bank confirmed my money has been sent to USAA bank. If the recipient and information is not correct, the money should be refund to my account, however its a month already, USAA bank didnt response to XXXX XXXX enquiry, nor refund the money to me. So now USAA bank is holding my money. 

Here are the transactions details : XXXX XXXX USD XXXX XXXX XXXX USD XXXX Recipient name. XXXX XXXX XXXX XXXX hope this will help USAA bank to locate the transaction in enquiry and response to XXXX XXXX immediately, and then refund the money to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I've some stock options from my employer company, I sold some of these shares and asked to transfer for my bank account in XXXX. It's a very usual operation, but is the first time I'm doing that with XXXX XXXX ( JP Morgan Company ). This operation was done in XXXX, the estimated time to receive the payment in my bank account was XXXX, usually this operation take hours, not days. I called XXXX XXXX everyday since the last 7 days, nobody can solve the problem, and telling me to wait because they don't what's happening. Passed 2 weeks ( today is XXXX ), they don't give any consistent information and I don't have my money transferred, I've bills to pay and they are joking with my money. 
When I called him the first time, they told the was done, I asked the receipt and some information to check it with my bank and they didn't give that. Today, I called again and they told me, they don't have the information and are contacting my bank. It's unacceptable situation and os penalizing me as a customer, so I asked your support to solve this situation. 
Support case registered in XXXX XXXX system : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
Company is in violation of 15 USC 1692 ( d ) ( a ) ( I ), and 15 USC 1681 ( 2 ) ( 4 ) which states A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

Without limiting the general application of the foregoing, the following conduct is a violation as furnishing information has and is causing me to be oppressed.

( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

Furnishing of a consumers credit report to order CRAs and without permissible purposes, and without my written unlawfully would make companies liable of criminal means which is proof of causing harm to my reputation which is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm reported incorrect information to the credit bureau XXXX 

It shows a balance of XXXX $ in XXXX and it shows the month of XXXX installment was paid. 

My next payment is scheduled XX/XX/XXXX. But its reported that XXXX is paid for in my credit report payment history. 

My Balance history for XXXX says XXXX $ and does not have a balance history for XXXX. Yet when affirm reported my Balance in XXXX it shows XXXX $ in debt. 

It shows that the original balance is less then XXXX $ and specifically states it will not affect XXXX XXXX. 

My XXXX XXXX  score went down due to their reporting nothing has changed on my report for month and my score had stayed the same prior to Affirm reporting a XXXX $ debt. It shows the status of my affirm account as good standing. 

There is inaccurate and inappropriate reporting going on between Affirm and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
IN THIS COMPLAINT YOU WILL FIND A DISPUTE I MAIL TO EXPERIAN DATED XX/XX/2023. ON XX/XX/XXXX EXPERIAN RESPONDED WITH A LETTER SENT DIRECTLY TO ME STATING MY DISPUTE LOOKS SUSPICIOUS AND THEY DONT BELIEVE IT WAS FROM ME. SO I AM FILING THIS COMPLAINT AND SENDING MY DISPUTE THRU MY CFPB ACCOUNT THATS BEEN VERIFIED AS BELONGING TO ME XXXX XXXX. THIS WILL LEAVE NO QUESTION OF ORIGINATION OR AUTHENTICITY. 

HERE IS A DIRECT QUOTE TAKEN FROM THE LETTER WE RECEIVED A SUSPICOUS REQUEST IN THE MAIL REGRDING YOUR PERSONAL CREDIT REPORT AND DETERMINED THAT IT WAS NOT SENT BY YOU. SUSPICIOUS REQUESTS ARE REVIEWED BY EXPERIAN SECURITY PERSONNEL WHO WORK REGULARLY WITH LAW ENFORCEMENT OFFICIALS AND REGULATORY AGENCIES TO IDENTIFY FRAUDULENT AND DECEPTIVE CORRESPONDENCE PURPORTING TO ORIGINATE FROM CONSUERS. 

IN A EFFORT TO SAFEGUARD YOUR PERSONAL CREDIT INFORMATION FROM FRAUD, WE WILL NOT BE INITIATING ANY DISPUTES BASED ON THE SUSPICIOUS CORRESPONDENCE. EXPERIAN WILL APPLY THIS SAME POLICY TO ANY FUTURE SUSPICIOUS REQUESTS THAT WE RECEIVE, BUT WE WILL NOT SEND ADDITIONAL NOTICES TO YOU THIS IS A STRANG ASSUMPTION BEING THAT ALL MY VERIFICATION DOCUUMENT WAS ATTACHED TO MY DISPUTE. THEN EXPERIAN GOES ON FURTHER AND STATES THEY WILL NOT INVESTIGATE ANY FURTHER DISPUTES FROM ME. THIS IS OBVIOUSLY AN ATTEMPT BY EXPERIAN TO VIOLATE THEIR DUTIES TO DO A REASONABLE INVESTIGATION. SEEMS AS IF THEY WOULD PREFER ME TO CONTINUE WITH A CREDIT REPORT FILLED WITH INACCCURACIES INCLUDING MY ADDRESS. THIS ONLY SERVES EXPERIAN BOTTOM LINE AND PROFIT. 

LASTLY EXPERIAN IN THE LETTER RESPONSE IS DOING THEIR BEST TO FORCE ME TO DISPUTE ONLINE AND BY PHONE, OR DOCUMENT UPLOAD, WHICH BY THE WAY DOESNT UPLOAD. I HAVE A RIGHT TO DISPUTE BY MAIL AND ASK FOR A RE-INVESTIGATION OF ACCOUNTS THAT ARE IN-ACCURATE AND INCOMPLETE BUT EXPEIAN IS REFUSING ME THE CHANCE TO DO SO. ALL DISPUTES ARE WRITTEN, TYPED AND AUTHORED BY ME. EXPERIAN NEEDS TO STOP VIOLATING MY RIGHTS UNDER USC 1681i AND PROCEED WITH MY ORIGINAL DIPUTE THAT IS ENCLOSED I THIS COMPLAINT AND ALSO BEING REMAILED. THEY ARE STILL UNDER THE ORIGNAL 30 CLOCK AND ONLY HAVE THE REMAINING DAYS TO COMPLETE. ATTACHED TO THIS COMPLAING IS A COPY OF THE LETTER FROM EXPERIAN STATING THAT THEY VIOLATED MY FCRA RIGTHS AND WILL CONTINUE TO DO SO. ALSO ATTACHED TO THIS COMPLAINT IS COPY OF ORIGINAL DISPUTE FOR EXPERIAN TO PROCEED SINCE THE CLOCK IS STILL RUNNING ON THE ORIGNAL 30 DAYS. EXPERIAN ALSO NEEDS TO STOP BLOCKING MY DISPUTES AND TO TAKE OFF THE FILTER ON MY ACCOUNT PROHIBITING ME FROM DISPUTING IN-ACCURATE AND INCOMPLETE ACCOUNTS

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