vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-29 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:
sent letters out to XXXX, XXXX, and equifax. on XX/XX/2022 and XX/XX/2022 still havent got a response back and it has been over 60 days. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of the letter. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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:
sent letters out to XXXX, experian, and XXXX. on XX/XX/2022 and XX/XX/2022 still havent got a response back and it has been over 60 days. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of the letter. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account 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 2022-05-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a dispute in regards to inaccurate information being reported in my credit file.

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 2022-05-29 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Mo, XXXX Transunion XXXX XXXX XXXX XXXX, pa XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. 
I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 


I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you've had the unauthorized inquiry removed. 


If you find that I am remiss, and you do have authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 


Thank You, 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 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I spoke with the fraud department for Experian, XXXX and XXXX. I pointed out over 25 unauthorized inquiries I found on my credit report, on XX/XX/XXXX, I went to apply for a personal loan and was denied. When the company pulled my credit, I was informed that my credit score was below XXXX. This is a problem because I haven't applied for any credit within the last 2 years. XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX OF ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX  XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2020

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 2022-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
I was scammed out of a {$1000.00} from my account on XX/XX/2022 at XXXX. I called Chime and they said it is out of their hands since I did the transfer. But during the scam I was told I was speaking with police and I was threatened with going to jail if I didn't do everything they said. 
I filed a claim with the XXXX and the bank still told me they can not refund my money. Shouldn't they have insurance for this sort of thing? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
" a mot fartist Sectif nt m in, sarcton, -ilk alina-taliana consumer reporting agency

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 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have sent in several letters to XXXX XXXX and transunion and they are not reporting in a timely mannor. or removing ir responding back to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My name is XXXX XXXX and I am making this complaint without any assistance of a third party. In XXXX and XXXX of XXXX and XXXX of XXXX I asked Transunion to conduct an investigation on each negative item on my credit report that I did not recognize. I did this for the purpose so that I could have enough information to validate these alleged debts. However, in spite of repeated requests for information with regards to their method of investigation and verification the inaccurate, invalid, and discrepant items remain without any explanation of their having been investigated. I am within my rights to demand an investigation and for them to give me the details of said investigation which they continually ignore. I now want a copy of my credit file along with their investigations of all negatively reporting items that appear in my credit file.

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 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have sent in several letters to XXXX equifax and XXXX  and they are not reporting in a timely mannor. or removing ir responding back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have sent in several letters to experian XXXX and XXXX and they are not reporting in a timely mannor. or removing ir responding back to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account XXXX XXXX Acct # XXXX Has violated my rights 15 usc 1681 section 602 8 states, I have the right to privacy 15 use 1681 section 604 a section 2. 

A consumer reporting agency can not furnish any account without my written instructions. 

On XX/XX/22 debt of {$780.00} was placed on my experian and XXXX credit report by Account XXXX XXXX. I've never heard of this company or conducted business with this company before. I've also disputed this debt through Experian and XXXX as well.

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 2022-05-29 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:
n accordance with the Fair Credit Reporting act Account XXXX XXXX XXXX ACCT # 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 XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX  ACCT # XXXX XXXX XXXX XXXXXXXX ACCT # XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS ACCT # 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 2022-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CapitalOne illegally charges me a interest fees of {$22.00} even after making a monthly full payment on time, my payment due day is on every XXXX of each month I made the full payment on XXXX XXXX and didn't use my card until on XXXX XXXX where they choose to add interest fee why not on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC

Complaint narrative:
Someone or some people at Atlantic Bay decided to go rogue and openly break federal law by refusing to report my account as current the months when I was in forbearance with XXXX. The CARES Act is explicit that this is a legal requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, 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:
On XX/XX/XXXX, I spoke with the fraud department for XXXX, XXXX and TransUnion. I pointed out over 25 unauthorized inquiries I found on my credit report, on XX/XX/XXXX, I went to apply for a personal loan and was denied. When the company pulled my credit, I was informed that my credit score was below XXXX. This is a problem because I haven't applied for any credit within the last 2 years. XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/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 explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I spoke with the fraud department for XXXX, Equifax and XXXX. I pointed out over 25 unauthorized inquiries I found on my credit report, on XX/XX/XXXX, I went to apply for a personal loan and was denied. When the company pulled my credit, I was informed that my credit score was below XXXX. This is a problem because I haven't applied for any credit within the last 2 years. XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I went XXXX on XXXX and XXXX XXXX in XXXX, Ca. I attempted to do a cash advance from my EDD card to my personal checking account. The teller stated the system wasnt working well but she would attempt to withdraw the funds. I was asking for {$2000.00}. The teller attempted to do the transaction and the card decline. Stated I could come back at a later time and try again. Needing the money I drove to another branch in which once again my transaction was declined but the teller instructed to check my balance in which I noticed the previous transaction was pending. I went back to the previous branch in which they stated the transaction did not go through and I would just need to wait a couple hours and the money would go back. On XX/XX/2022 The transaction posted and my funds were withdrawn. On XX/XX/XXXX went to XXXX on XXXX and XXXX and was told the transaction declined on their end and I would need to file a claim. The claim has been filed and also a hardship application has been filed on XXXX. I have not received any correspondence for this problem, this is my sole income and I currently dont have any funds to support my family.

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 monetary relief
Consumer complaint received 2022-05-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent several letters to all 3 credit bureaus and I still haven't received any updated information

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 2022-05-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent several letters to all 3 credit bureaus and I still haven't received any updated information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent several letters to all 3 credit bureaus and I still haven't received any updated information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Someone or some people at XXXX XXXX decided to go rogue and openly break federal law by refusing to report my account as current the months when I was in forbearance with Equifax. The CARES Act is explicit that this is a legal requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
12 CFR part 1022.42 12 CFR part 1022.43 FCRA 15 U.S.C. 1681 2 ( b ) I have tried unsuccessfully to address this issue with Experian. I have been denied credit with XXXX on XX/XX/XXXX and XX/XX/XXXX. I contacted them several times to correct inaccurate information that is being provided and resulting in credit denial. They will not investigate and delete the negative, derogatory remarks. These are not my accounts. 

They are obligated to furnish accurate, prompt, timely reporting and since this XXXX more than ample time has passed. More than 6 months is sufficient time to conduct an 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 2022-05-29 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX 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 XXXX  XXXX, XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX

Company response to consumer: Closed with explanation