vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 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: CO

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened These fraudulent accounts consist of personal credit card opened at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a personal credit card with XXXX XXXX opened XX/XX/XXXX with the account number XXXX, an personal credit card opened with XXXXXXXX XXXX  opened on XX/XX/XXXX with the account number XXXX, an personal credit card with XXXX XXXX XXXX XXXX opened XX/XX/XXXX with account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-08-11 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
i just want the company stop using my information the remove the inquiries on 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 2024-08-11 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:
" Upon reviewing my credit report, I discovered that I have been a victim of identity theft. I found several unauthorized credit inquiries that I did not initiate. Please remove the following fraudulent inquiries 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 2024-08-11 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: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened These fraudulent accounts consist of personal credit card opened at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a personal credit card with XXXX XXXX  opened XX/XX/XXXX with the account number XXXX, an personal credit card opened with XXXXXXXX XXXX opened on XX/XX/XXXX with the account number XXXX, an personal credit card with XXXX XXXX XXXX XXXX opened XX/XX/XXXX with account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
At XXXX XXXX  on XX/XX/year>, someone made an unauthorized transaction of {$200.00} at the XXXX on XXXX XXXX XXXX XXXX, XXXX, ID. I was XXXX  at the XXXX  reserve at XXXX XXXX XXXX XXXX, XXXX at this time and received a text message fraud alert from Chase Bank. I checked my email and also had a fraud alert message. At XXXX XXXX  XX/XX/XXXX, I called the fraud line at Chase Bank to cancel my card. The representative asked if the card was lost and verified the surrounding purchases. Since I was XXXX, I wasn't able to verify that the card wasn't in my possession until XXXX. The representative canceled the card and submitted the claim. At XXXX XXXX, I made it back from my hike and realized that my card was not in my possession. Back tracking, I last had it in my possession at the XXXX on XXXX XXXX XXXX in XXXX around XXXX XXXX  XX/XX/XXXX. On Tuesday XX/XX/XXXX, I received a digital copy of a receipt from XXXX in the dollar amount of {$200.00}. This happened because my debit card was connected to my XXXX account. Anytime that debit card is used, XXXX provides a receipt of the purchase. The receipt showed that a {$200.00} gift card was purchased. It also showed that the PIN was bypassed by running the card as a credit sale. XXXX does not use tap to pay so the chip was inserted. On XX/XX/XXXX, I learned that Chase denied the fraud claim. I called to learn why and to appeal the decision. I was told they weren't able to confirm unauthorized use. On XX/XX/XXXX, I went to the Chase Bank Branch on XXXX XXXX in XXXX Idaho. The branch consultant said to fill out a police report and submit it to the Chase fraud claims department. I contacted the XXXX Police Department and completed a police report regarding the stolen debit card. This report was submitted on XX/XX/XXXX. On XX/XX/XXXX, Chase again denied the claim. When I called on XX/XX/XXXX, the claims department said the reason was too technical to explain. They also said they do not consider police reports as evidence. On XX/XX/XXXX, I also contacted the loss prevention team at the XXXX to obtain XXXX  camera evidence that I was not the purchaser but did not receive a response. I am providing all evidence, including location evidence that I was not at XXXX XXXX XXXX XXXX at XXXX XXXX  on XX/XX/XXXX. I did not authorize this purchase and do not have possession of the debit card that was stolen. I would like Chase to reverse their decision and return the {$200.00} in funds to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: CA

Complaint narrative:
I needed to get a quick loan to handle unexpected bills. I went to maxlendXXXXXXXX  and was approved for a loan of {$1100.00}. I was told over the phone prior to accepting the loan that I would be charged for one payment of {$600.00} and two other payments of {$680.00} to payback the loan, bringing the total payback of said loan to {$1900.00} to pay it back. Already feeling that was way to much, I still accepted. Upon receipt of loan I was given paperwork outlining the terms. Since this was all done over the phone I was of the mindset ( my failure ) that the terms on the document was simply a recap as to what was discussed over the phone. 

I kept tabs on it for the first 3 months and paid no mind to it. It was only after making a subsequent payment I realized something was amiss. I then checked the documents that were sent and the document outlined that I was being charged a finance charge of {$4900.00} along with the amount financed of {$11000.00}. I was NEVER TOLD over the phone the finance change of {$4900.00} which along side the actual loan brought the total payback to {$6000.00}. It was incredibly misleading and when I contacted maxlend.com they told me they told me over the phone that I would need to make XXXX payments versus XXXX. From which I asked the service rep " who in the right mind would accept those terms? '' This organization needs to be flagged for the shaddy dealings and downright fraud. 

I had contacted the company maxlend.XXXX to stop payment which they stated they did but I would be contacted by a supervisor the following day and that I am still on the hook to pay the {$11000.00} which was incredibly confusing since its apparent what the service rep was looking at wasn't the same terms that were sent to me or they simply didn't care, in any event had I not seen another payment made outside of the XXXX payments told to me I would've been completely unaware of the situation. I have attached the document that was sent to me, which in itself is incredibly shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I, XXXX XXXX XXXX, the consumer and natural person was denied credit by American Express on XX/XX/year> when I applied for a gold card Ref : XXXX XXXXXXXX. I am creditworthy and should be granted my credits. I sent my first letter regarding the adverse action response and it was ignored. I sent a second letter and received a response from XXXX XXXX XXXX assistant, whom the letter was not addressed too, stating another denial. This is my last letter to rectify your error before the court will be brought in. As stated in the previous letter, your denial is a direct violation of my right to credit. My goal is to keep this very simple matter out of the courts however, I will do whatever I need to preserve my rights as an XXXX. Adverse action against a consumer is against the law and according to the XXXX, which is codified in 15 USC 1691c. American Express is also currently in violation of 15 USC 1642, 15 USC 1642, 15 USC 1681m and 12 CFR 1002.7 because I, the consumer made an application in good faith, and expected consideration, however credit was not issued, clear failure of consideration. Furthermore, because my social security number was used and I received no benefit, this is proof of fraudulent activity and I am reporting it to the FTC, SEC, and the CFPB. If following The Federal Reserve, Section 29 ( d ) says since it has been 137 days since my application I am owed XXXX XXXX Dollars or 1 % of your companys revenue. The remedy I am seeking is the same from the beginning, a simple line of revolving credit for {$25000.00} which I will perform monthly just as The Bill of Exchange says. I have no desire to take this to arbitration but will if I havent heard anything by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I usually receive a lot of notification from XXXX XXXX and also XXXX about 43 inquiries in my credit report i already report that with them cause i didn't give my information to them so i want to remove all the inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: MA

Complaint narrative:
I disagree with the accounts listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. 

Account XXXX : XXXX Account XXXX : XXXX Remove off my report immediately! 

Account Name : XXXX  XXXX Account Number : XXXX Remove off my report immediately! 

Account Name : XXXX  XXXX Account Number : XXXX Remove off my report immediately! 

Account XXXX : XXXX Account XXXX : XXXX Remove off my report immediately! 

Account XXXX : XXXX Account XXXX : XXXX Remove off my report immediately! 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you VERIFIED the above, so that I may follow up.

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 2024-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
XXXX direct deposit was not deposited on its usual time/day. Chime agents could not tell me why or how long until they get it fixed. Its been 3 days now with no money, no communication, and no estimated timeline of receiving my direct deposit. 

( Other coworkers with other banking institutions received their direct deposits as usual ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CFPB - Previous complaint filed related to today 's matter To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Equifax has again violated my rights, by furnished unauthorized inquiries that are indeed not MINE. I have told and written Equifax And event sent my Identity theft report for the Identity theft. I have also Attached this FTC Identity theft report. The Inquiries that are not mine and a result of identity theft are, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These fraudulent increase are from the year XXXX to the year XXXX which I have already previously disputed with CFPB. An Equifax continues to violate my rights. 

You should note that, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. You stated in the above previous investigation, That You Equifax has verified that the inquries are mine how is this so? And how did you verify inquiries that are a result of identity theft I DEMAND to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for, Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. These Non account holding Inquiries are not mine and are costing me financial harm.

In addition, please remove all non-account holding inquiries over 30 days old. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen days of the completion of your re-investigation. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
After reviewing my consumer report I have found inaccurate reports regarding alleged debts being of obligation to me. I have already address this issue with my XXXX reports in which they knew to delete this inaccurate information. For whatever reason XXXX and Equifax seem to believe they are above the laws and consumer rights protections and refuse to delete the inaccurate information being reported on my consumer reports. I would like it to be adequately clear that they are in clear and absolute violation of my rights as a federally protected consumer. I have made it very clear to them that these accounts should be deleted swiftly as XXXX did ; be clear that deletion is an admission to violating federal laws yet Equifax and XXXX seem to care not. If XXXX understood their violations and adhere to the remedy demanded easily any other reporting agencies should be able to understand the same. This will be my last and finally attempt to provided them this simple remedy for their violations against me before I seek litigation remedy. Being that I have made previous attempts for remedy that were disregarded and falsified as verified I will only allow 15 days for this remedy to be fulfilled. Equifax and XXXX both have been put on notice and instructed to provide me with the remedy due in which they were provided upt to 60 days to respond and each time they decided to use the entirety of the time available to again completely disregard the violations and falsify that the information has been verified. XXXX and Equifax SHALL DELETE the following inaccurate and falsified information listed below off of my consumer reports within 15 days from today XX/XX/2024 in accordance with the FCRA and CFR. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MUST DELETE all accounts listed above Equifax MUST DELETE all accounts listed above immediately. 
I document everything for the past two years while I've been gaining a better understanding of the laws in place to protect me. I will have my remedy one way or another lets not waste each others time here.

Company response to consumer: Closed with non-monetary relief