vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Tranaction date for XXXX charge was XX/XX/XXXX. Post date for XXXX charge is XX/XX/XXXX. I spoke to XXXX customer service and they told me an account was created using my Citizen Bank XXXX. When I asked what was purchased and where it was delivered to XXXX refused to help ( provide further information ). I contacted Citizen Bank and filed a claim ( XXXX ). Since then, I've been getting suspicious letters from Citizen asking that I send different information to different XXXX XXXX XXXX. The first letter was dated XX/XX/XXXX. I was told to send supporting information before XX/XX/XXXX or they would not investigate. I was told to send infromation to Citizens XXXX XXXX XXXX XXXX CT XXXX or fax it to XXXX or email it to disputes @ citizensbank, com. I was also told to call XXXX if I had any questions. I immediately emailed them information the day I received the letter. Since them I received many phone calls telling me to call them and close my account and they will issue me a new card. When calling Citizen Bank you get different people from their call center in XXXX that just ask the standard gatekeeper type questions and this is not very helpful ( a waste of time ). I recently received another suspicious letter dated XX/XX/XXXX. In this letter, they asked for my name, account number, asked me to provide my signature, asked me to provide the dollar amount of item disputed, date of purchase, merchant name, why I am disputing, and they asked me to provide the same information I sent them a month ago again. This time I was told to send it to Citizens Accelerator Rewards XXXX XXXX XXXX XXXX CT XXXX or send the information by fax or email to the same number and address that was in the previous latter dated XX/XX/XXXX. At this point I am not sure what to do. I am not sure why they want my signature? I did not take action on the last letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XX/XX/2024 a letter to correct inaccurate or outdated personal information on my Experian credit report was sent certitied mail via USPS.

I requested names, phone numbers and address be updated to the correct information I provided. As well as, removing all other personal details that I have not provided in this request as they are not deliverable or reachable at those inaccurate entries.

XX/XX/2024 Tthe dispute reuslts were made available through my experian.com account to find all inaccurate address still remain as well as 1 additonal phone number that I do not own and am not reachable at.

I also included a notraized copy of my driver 's license and social security card as well as my most recent utility bill substantiating my address.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my credit report and noticed that there are addresses listed that are not mine.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
As stated in the Fair Credit Reporting Act 15 USC 1681 Section 602, it is decisive for consumer reporting agencies like Equifax and XXXX to carry out their responsibilities with fairness, unbiased, and respect for the consumer 's right to privacy. As the consumer, I have the right to make certain that my private information is not shared, as supported by section 6801 of the same Act. This section emphasizes that financial institutions, including the entity furnishing information to credit agencies, have an ongoing obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information. Section 604 ( a ) ( 2 ) of the Act states that consumer reporting agencies may only furnish a consumer report under specific circumstances, one of which is when they receive written instructions from the consumer to whom the report relates. In this case, neither the financial institution nor the consumer reporting agencies, Equifax and XXXX, have my consent to furnish this information, let alone my written consent. Therefore, any previous consent given to Equifax, XXXX, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is hereby revoked. Furthermore, section 6802 ( b ) ( c ) of the Act states that a financial institution can not impart nonpublic personal information to a nonaffiliated third party unless the consumer is provided with an explanation of how they can exercise their right to nondisclosure. However, the furnisher of information to credit agencies failed to inform me of my right to exercise this nondisclosure option. Furthermore, section 1681C ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse item of information in a consumer report, except as authorized under subsection ( b ). In conclusion, it is evident that the actions taken by Equifax, XXXX, and the furnisher of information to credit agencies are in violation of the Fair Credit Reporting Act. As the consumer, I expect my rights to privacy and covertly to be respected, and I demand that immediate corrective measures be taken to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UPGRADE, INC.
State: IL

Complaint narrative:
I was charged {$1100.00} by XXXX XXXX. I saw this charge and did not complete it. I went to look for my card and I could not find it. I filed a dispute with Upgrade and they denied it. This is not my charge. I refuse to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was scammed from a user on this platform and when I notified the company not only did they not give my money back, they didnt even do an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
in accordance with the Fair Credit Reporting Act, This creditor has violated my rights under 15 USC 1681, SECTION 602 states i have the right to privacy, 15 USC 1681 SECTION 604 a SECTION 2, It also states a consumer reporting agency can not furnish an account witout my written instructions, Under 15 USC1666 b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: NC

Complaint narrative:
I received an email this morning from chime saying that I had signed up for a credit card that I had not signed up for. I tried to call the company but it was a phone tree and they said I had to download the app to get support. I do not feel safe doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SC

Complaint narrative:
The practice by chime XXXX XXXX  is now lawful and legal. Because the definition for overdraft in the XXXX XXXX XXXX  is defined as Loan arrangement that enables individuals or businesses to borrow up to an agreed limit without prior approval. Overdrafts can be paid off at any time and interest is charged on the daily debit balance. Overdrafts can be? called? by a bank, usually in response to a fall in the borrower? s credit rating, the suspicion that the borrower may default on the overdraft loan, or when the borrower has not paid off an overdraft loan and it has become a? hardcore? debt. 2. The debit balance of a bank account where more funds have been withdrawn than have been deposited. The XXXX XXXX  for spotme is defined as is nor terminology states anything about a extended access to an overdraft program. Thus, being there are ambiguous instead of the policy and practice being unambiguous. an optional, no-fee service that lets members with an active debit card make certain transactions that overdraw your Chime Checking Account. I have attempted to resolve this by letting chime know that I have been receiving a XXXX dollars plus into my account since XX/XX/2023 and no direct incentives have been applied except a XXXX dollar XXXX not overdraft where I can overdraft up to XXXX dollars. An was denied. Customer satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my credit report and noticed that there are addresses listed that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Fraud check cashed at a XXXX Bank - XX/XX/2023 in the amount of {$5000.00}. 

I asked XXXX bank to verify where the check was cashed and it was confirmed by XXXX it was cashed through them. The fraudulent check was from Citizen 's bank. 

The Citizen 's fraudulent department was notified and the dispute was denied twice. They denied the refund for the fraudulent check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have the right to make sure my private information isn't shared. " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the Security and confidentiality of those customers ' nonpublic personal information. The furnisher of information to credit agencies is a financial institution by definition under title 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher if information to credit agencies ) the financial institution and the consumer reporting agency/agents of TransUnion, XXXXXXXX XXXX  XXXX do not have my consent to furnish this information and surely do not have my written consent, whether is verbal, non-verbal, implied, or otherwise revoked. 

Any/all agents of TransUnion, XXXX XXXX XXXX  have been assuming the roles of holding my information without my permission while reporting inaccurate information and making money off my information. They have refused time and time again to investigate disputed information and failed to delete or correct incorrect information which violates federal law. After filing disputes with any/all agents of TransUnion, XXXXXXXX XXXX XXXXXXXX XXXX they have made their own decision, on purpose, to drop my credit score either by the XXXX XXXX XXXX XXXX without notifying me, verifying, and completing a full investigation for inaccuracy. 

I have attempted to resolve this matter with any/all agents of TransUnion, XXXX XXXX XXXX XXXX XXXX They all have refused and continued to violate the following ; 15 U.S. Code 45 Privacy Act of 1974, Education Privacy Act of 1974 Fair Credit Reporting Act, 15 USC 1681, section 602 621 of the FCRA, 15 U.S.C. 1681s, 12 CFR 1022- Fair Credit Reporting Act 12 CFR 1016.4 16 CFR 433.2 15 USC 16802 ( b ) ( c ) 15 U.S. Code 1681e to avoid violations of section 1681c-15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S.C. 1681a ( f ).

15 USC 1681s-2 ( A ) ( 1 ) ( A ) 15 U.S. Code 1692e

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 2024-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX This is also completely inaccurate. 

XXXX XXXX XXXX XXXX Please start an investigation and prove that this actually belongs to me. 

XXXX XXXX XXXX This is not mine 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
I vacated XXXX XXXX XXXX in XX/XX/2023 and settled my final bill of {$130.00} shortly after moving out. The payment was made on XX/XX/2023. Surprisingly, a collection entry for the same amount, already paid, appears on my credit report from a collection agency. Despite providing proof of payment to the collection agency, the entry persists, detrimentally impacting my credit score and hindering my mortgage application for a house purchase. Your prompt assistance in resolving this matter is crucial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion originally fixed the payment history when i submitted dispute on XX/XX/XXXX. the late payment showed up again on credit in XXXX and i had to submit dispute again on XX/XX/XXXX. transunion failed to correct it from second dispute. XXXX XXXX XXXX already reimbursed the late fees and interest because it was their fault and XXXX and experian already corrected the payment history.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently Checked my credit report and seen an inaccuracy and in accordance with the fair credit, reporting act, My account with XXXX has violated my rights and with accordance to15 USC 1681 Section 602 States I have the right to privacy. Also 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Section 15 USC 1666B states A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for and purpose.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2024-01-12 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: LEXISNEXIS
State: FL

Complaint narrative:
Attached is a complaint with the XXXX XXXX XXXX illustrating the company " XXXX XXXX XXXX '' aka XXXX XXXX  ( XXXX ) admitting to several counts of fraud including illegally using my information to open a credit account and sending my personal information to third party affiliates. This complaint is being filed in a string of complaints to " XXXX '' and " XXXX '' for inadequate investigating processes which have concluded this fraud account as " VERIFIED ''. All parties are in violation of : 15 U.S. Code 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Per this law XXXX has committed identity theft and it is a violation of 15 U.S. Code 1681b ( a ) ( 2, based on this violation all accounts listed below must be DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

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 2024-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I have been seeking to modify or resume my mortgage payment with Selene # loan XXXX since XX/XX/2002. I have been actively asking for anexplanation regarding my current mortgage balances. 
The extremely high loan balance is being use as a post mortgage payment to which Selene claim is that I do not qualify for a modification. My current mortgage payment with taxes and insurance is XXXX. I am able base on my current income to resume mortgage payments. 

Base on Selene finance I owed over XXXX XXXX, after my inquiries and disputes asking for a justification of figures with detail explanation. Selene later made some corrections to their figure and my balances was lowered to XXXX XXXX without any explanation or figures. 
my original loan amount was XXXX. Selene is refusing to provide me with any numbers as how they came up with the current figures of over a million dollars which Selene is using to qualify me for a COVID mortgage relief modification. I am being denied base on theses figures but yet I have no idea how they derived at the figures. 
I am currently seeking modification due to illness from COVID and the laws that created hardships.During COVID there were rules, laws that we had to follow this directly cause hardship because being, along with only essential workers permitted to leave there home created real hardship. Along with the above .tenants were told not to go to work and not to pay rents. Landlords could not evict. Tenants but currently lenders are allowed foreclosed due to circumstances that was beyond our control. 
I am asking for help to get Selene to be fair with their figures as it relates to my current loan balance.when it was lowered what was the reason and why I am being refused a detail breakdown as to why after al these years my mortgage has increased instead of decreased Selene is pushing me to contact who took the original loan from XXXX XXXX. XXXX is informing me to go back Selene because the loan was sold. I am just being push around by these 2 large corporations. 
In the mean time I am being contacted by all sorts of company who only trying to get money from me claiming that they can help, not knowing who to trust after several attempts to modify and being denied to high post modification payments but was never given the figures I XXXX  and is asking for help to resolve this matter. 
Please contact me XXXX XXXX for any additional information at XXXX.

Company response to consumer: Closed with explanation