vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-09-08 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: NV

Complaint narrative:
I haven't seen any deletion updates in my credit reports. And I am baffled as to why I have been sending Removal Request Letters upon letters with no updates. Aside the first time I got those said updates. This will be my ninth complaint as well. When will the XXXX, XXXX and TRANSUNION Credit Bureaus fix my credit reports? Please be professional and follow through my request of removal for these items below : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$870.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-09-08 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: NV

Complaint narrative:
I haven't seen any deletion updates in my credit reports. And I am baffled as to why I have been sending Removal Request Letters upon letters with no updates. Aside the first time I got those said updates. This will be my ninth complaint as well. When will the XXXX, EQUIFAX and XXXX Credit Bureaus fix my credit reports? Please be professional and follow through my request of removal for these items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX : XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$870.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-08 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:
I can not accept the presence of public records on my credit report. It is causing significant XXXX and distress, and I implore you to remove them without delay.

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 2023-09-08 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: SC

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: SC

Complaint narrative:
It is publicised information that Square had a Nationwide ( if not Worldwide ) outage yesterday, XX/XX/2023. This outage effected my ability to manage funds automatically placed into my Square ( online ) Savings Account. I was unable to toggle the Square Savings selection to the OFF position, so that my funds, a total of {$2200.00}, would not go to into Square Online Savings, but instead, go into the batch purposed for transfer into my brick and mortar Business Checking account, as my nightly scheduled transfers usually operate. I tried phoning into Square, in order to receive assistance, but an automated greeting stated that the system was down and no one was available to take my call. I kept trying to get through from XXXX until NOW- the next morning, XXXX EST. Still can not get anyone on the line. I tried chatting with a representative online, but it was clear it was a system bot - I got nowhere. 

As a result, I could not gain access to crucial funds needed to cover business expenses, one of which was a paper check I wrote to pay my restaurant lease. Consequently, that paper check did not clear my Business Checking account ( {$1900.00} ), and I've been charged a fee from my bank. I fully expect to be charged a fee from my landlord, since the check was returned NSF. I was also charged three {$37.00} fees for three other items. 

Worse, there is a standard 24 hour delay between the request for funds from the Square Savings Online Account, and disbursement. Although the system is now up, I can not get the funds into my account until Monday, because today is Friday, and funds are not disbursed over the weekend. 

To add insult to injury, I also did not receive the end-of-night transfer of {$130.00} that was supposed to be automatically transferred to my Business Account at the end of night. As of this morning, that balance is pending.

I pay a fee to have my money transferred nightly ; I pay a fee for each card transaction ; I pay a fee to subscribe to additional Square functions .... But to not be able to speak to someone when there's an emergency tells me it's time to find another processor. 

I am posting this so that a ). others will learn from my mistakes and b ). a Square representative might see this and take steps to reimburse the fees that ensued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
Issue is with Chime Bank I had not used account for sometime and it was suspended. I decided I was going to use it again. In order to reinstate the account I had to provide them proof of ownership. No big deal, all good for security. 

Red Flag XXXX It was discovered when someone had changed my email address on the account. I had to go through enhanced procedures ( uploading ID, etc. ) to prove to Chime I was me. Again, all good - I jumped through hoops. 

Red Flag XXXX Upon getting access again to the account, I discovered there were XXXX fraudulent transactions on my account from a few months ago. They were small amounts, but concerning for security of the account. I requested for Chime to change my account numbers and/or give me a new account for safety and precaution - clearly someone had unauthorized access to my account and had changed my email and also worked with the account. 

Red Flag XXXX - new cards had been sent out to me and I never received these cards. 

Despite these issues, Chime refused to get me a new account. They told me I couldn't have multiple accounts ( this is not what I was asking for ). Additionally, I shouldn't be worried about the cards send since " they hadn't been activated ''. 

Based on this unacceptable response, I just decided to close the account for good and take my business elsewhere. 

Why I'm filing complaint - In that closing I was very clear multiple times to not send me the funds in the account since they were fraud and not mine. Chime has refused to interact and just today sent message they are cutting a check to me. I have chosen to escalate at this point because I don't want anything to do with the fraud funds regardless of the amount. If the funds are fraud they should not be under any implication to send me funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Driveway Finance Corporation
State: NY

Complaint narrative:
* Driveway Finance Corporation under Lithia Motors will not provide me with a receipt of all payments that is legible so my numbers are approximate, but are correct as was confirmed by one of their own representatives on my third call to them about this issue. 

Driveway Finance Corporation ( DFC ) has currently stolen {$500.00} dollars from me by refusing to properly allocate my payment of {$830.00} on XXXX XXXX to the principal as is my right by law in New York state. Before the payment on XXXX XXXX my principal was approximately {$7800.00}. When paying more than the amount online, the balance is automatically applied towards a reduction of the next upcoming bills. I called DFC on XX/XX/XXXX and asked for my payment to be applied in full towards my principal, as I have done many times before. I called back on Tuesday XX/XX/XXXX when I saw that nothing on my account had changed and the payment was still being used to lower my principal by {$330.00}, pay off the XX/XX/XXXX payment ( of {$330.00} ) and partiall reduce the XX/XX/XXXX payment to around {$140.00}. So instead of {$830.00} being directly applied to my principal, {$330.00} dollars was applied to my principal and the remaining {$500.00} was applied to the upcoming payments leaving me with a principal balance of {$7400.00}. I was fraudulently told my a service rep on XX/XX/XXXX that this was normal and how the process had always worked, but that they would make sure the money was no longer applied towards my upcoming payments and put towards my principal. I asked to be sent a complete receipt of payment with the new principal amount after each payment. They sent me a pdf of an XXXX file that had unexpanded columns, rendering the whole file illegible. The next day, on XXXX XXXX I called back again after seeing no change in my account and spoke with one of the same reps and was confirmed that something in the system was wrong and this would be escalated. I was put on hold and then hung up on. I called back an hour later and was told by another rep that this was all correct and the way the system was supposed to work and that even if they made sure the money was not applied towards my upcoming payments the amount of my principal would not change. He would not do the math when I asked him to. As of XXXX XXXX I have checked my account to find that they fraudulently stole the money applied to my upcoming payments ( {$500.00} ) without applying that money towards my principal. So my principal currently stands at {$7400.00} and I also have an upcoming payment for a full XXXX on XX/XX/XXXX. They have not lowered my principal and have been charging me interest on the {$7400.00} principal instead of the {$6900.00} principal that it is supposed to be. They have stolen {$500.00} from me and are charging me interest on a higher principal as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

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 2023-09-08 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-09-08 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: TX

Complaint narrative:
I can not accept the presence of public records on my credit report. It is causing significant XXXX and distress, and I implore you to remove them without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: VA

Complaint narrative:
I am sending this ninth complaint towards Experian and XXXX. As, while the Experian have removed a fraudulent account. There were still XXXX more items that needed to be removed. And the XXXX XXXX have not removed anything at all. This time I am asking the CFPB to please supervise the removal process of these items below : EXPERIAN : XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, VA 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 2023-09-08 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: VA

Complaint narrative:
I am sending this ninth complaint towards XXXX and TransUnion. As, while the XXXX have removed a fraudulent account. There were still XXXX more items that needed to be removed. And the TransUnion Bureau have not removed anything at all. This time I am asking the CFPB to please supervise the removal process of these items below : XXXX : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} TRANSUNION : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, VA 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 2023-09-08 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: FL

Complaint narrative:
As a consumer and natural person am a victim of identity theft. Transunion, XXXX, XXXX have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! Transunion, XXXX, and XXXX has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! Transunion, XXXX, and XXXX are in direct violation of the FCRA and the Gramm Leach Bliley Act of 1999.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 ( Golden 1 Account Number 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