vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: GA

Complaint narrative:
I am writing to address an inaccuracy in my consumer report regarding Account Name : XXXX. Specifically, my report incorrectly indicates that I missed a payment on this account. I wish to emphasize that all payments associated with this account have been made on time, and I have evidence to support this asertion.

Under the Fair Credit Reporting Act, particularly 15 U.S. Code 1681e, consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of individuals ' information. Therefore, it is imperative that this discrepancy is rectified promptly to uphold the integrity of my credit report.

I kindly request that the erroneous infomation regarding the missed payment on Account Name : XXXX be corrected without delay, and that my credit report accurately reflects my payment history. Thank you for your attention to this matter.

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 2024-04-13 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: CA

Complaint narrative:
On XX/XX/24 I deposited {$500.00} and on XX/XX/24 someone spent it with a fake company called " XXXX XXXX XXXX XXXX XXXX' once I received the notification of the transaction I immediately called chime and they said I couldn't do anything yet because the transaction was still processing. So I goggled " XXXX XXXX XXXX XXXX XXXX' and found out the business doesn't exist because I couldn't find the phone number of said business. Once the transaction processed I filed a dispute it was immediately denied with in 3 days so I called Chime and asked why they didn't give me a reason so I asked for them to send me any paperwork on how they did their investigation I didn't receive anything. I called again and they opened the dispute back up and I submitted a police report and information from my email of notifications of someone logging into my chime account. I've opened XXXX disputes for the same {$500.00} transaction and they keep denying them in as little as XXXX hours up to XXXX days. Their website says their investigations take 10-20 days at the latest and 45-90 days at most. So I'm confused on why out of XXXX disputes they deny mines in 12 hours to XXXX days and never send the information on the investigations I requested. More that 2 chime agents told me they know I didn't make the transaction but they keep denying my dispute. I've asked to speak to the supervisor and I've been hung up on 3 times and still have not been able to speak with a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Received a letter in the mail from Chase stating that I was denied opening an account that I had no knowledge of.I have never had an account with Chase bank. I have put a freeze on my XXXX  account and talked to Chase bank fraud department and said that it would take anywhere from thirty to sixty days to get the hard inquiry off of my account. It was dated XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX 15 U.S.C 1681 602 A. State 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 1681 s-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 non-monetary relief
Consumer complaint received 2024-04-13 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: TX

Complaint narrative:
My name is XXXX XXXX and I disputed three unauthorized transactions of fraud on XX/XX/XXXX with Netspend. I received a fraud alert from Netspend at approximately XXXX on XX/XX/XXXX. I selected NO when asked if I was attempting to make the transaction. Their customer service and fraud teams were closed and I could not get through to a human. I personally had to go into my account and stop the theft by blocking my cards. I also had to manually move funds back into my savings account in an effort to stop them. The hacker and/or thieves added their number to my account and also somehow accessed my pin. I informed all of this during my dispute as well as to the police.

The disputed three transactions were as follows : {$500.00} {$500.00} {$36.00} All transactions were processed on XX/XX/XXXX at the XXXX  XXXX XXXX in XXXX, TX. I have filed a police report with my local police department for the stolen money and fraud. My police report number is XXXX with the XXXXXXXX XXXX XXXX in XXXX, TX. 

Per Mark, the supervisor I spoke to at the time I filed the dispute with Netspend, I was told to email and request provisional credit for the stolen money. I did so. I also called Netspend on XX/XX/XXXX for an update and was told to call back on XX/XX/XXXX which I did. I was told by Netspend on XX/XX/XXXX that my dispute was to be complete that day and they still could not give me a provisional credit. 

I never received a provisional credit and sometime after my call on XX/XX/XXXX they denied my dispute and closed my dispute request as no error found. I was not notified that my dispute had been denied, I only found out by logging into my app on XX/XX/XXXX. 

I spoke with the XXXXXXXX XXXX XXXX who informed me that I was in fact a victim of theft and that it was the banks responsibility to provide the funds back and then use their resources to pursue the criminal act.

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 2024-04-13 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: GA

Complaint narrative:
I am writing to address an inaccuracy in my consumer report regarding Account Name : XXXX. Specifically, my report incorrectly indicates that I missed a payment on this account. I wish to emphasize that all payments associated with this account have been made on time, and I have evidence to support this asertion.

Under the Fair Credit Reporting Act, particularly 15 U.S. Code 1681e, consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of individuals ' information. Therefore, it is imperative that this discrepancy is rectified promptly to uphold the integrity of my credit report.

I kindly request that the erroneous infomation regarding the missed payment on Account Name : XXXX be corrected without delay, and that my credit report accurately reflects my payment history. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: GA

Complaint narrative:
I am writing to address an inaccuracy in my consumer report regarding Account Name : XXXX. Specifically, my report incorrectly indicates that I missed a payment on this account. I wish to emphasize that all payments associated with this account have been made on time, and I have evidence to support this asertion.

Under the Fair Credit Reporting Act, particularly 15 U.S. Code 1681e, consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of individuals ' information. Therefore, it is imperative that this discrepancy is rectified promptly to uphold the integrity of my credit report. 

I kindly request that the erroneous infomation regarding the missed payment on Account Name : XXXX be corrected without delay, and that my credit report accurately reflects my payment history. Thank you for your attention to this matter.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
Citibank is " inaccurately '' reporting information to all three credit agencies. They ( citibank is in direct violation of the laws below : - 15 U.S. Code 1681- Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting.

- 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

ATTACHMENTS : Second 2 Attachments : XXXX Report Dated XX/XX/XXXX You will see 2 arrows. Below will have the description of what the arrows are pointing to just to clarify what is being inspected for the purpose of " reinvestigation. '' - Arrow 1 : Pointing to the month, XXXX, the number of XXXX is stating that that pymt was 120 days late - Arrow 2 : Pointing to the month, XXXX, the number of XXXX is stating that that pymt was also 120 days late. ( That alone is inaccurate ). 

First 2 attachments are the XXXX reports XX/XX/XXXX - On the XXXX report Citibank is reporting that " XXXX '' is on time and that XXXX, XXXX and XXXX are late. 

Again, none of the payments are even late.

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 2024-04-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contacts Show Experian XXXX : XXXX XXXX : XXXX Date of Inquiry XX/XX/year> XX/XX/year> XXXX/XXXX/202

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 2024-04-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contacts Show Experian XXXX : XXXX XXXX : XXXX Date of Inquiry XX/XX/2022 XX/XX/2022 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 2024-04-13 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: IL

Complaint narrative:
Transunion is reporting is breaking the law reporting balances fir accounts that charge off. 
On top of it there not my accounts XXXX  XXXX nor XXXX XXXX  there not my account.

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 2024-04-13 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: PA

Complaint narrative:
I already disputed these accounts and they continue to be reflected incorrectly on my credit report, so I request that they be removed immediately for violation since they are incorrect and fraudulently opened. The accounts are : XXXXXXXX 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 2024-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
My account went into collection. Since then I have been getting collections and unwanted calls to pay back my debt. I also was told that if I don't repay my debt that it will effect my credit and that they will lower my credit score immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: TX

Complaint narrative:
theres several delinquent accounts as well as incorrect information on my credit report that should be removed due to the F.C.R.A THESE SHOULD BE REMOVED AS WELL AS THE PERSONAL INFORMATION UPDATED to ONE NAME, ADDRESS AND SOCIAL SECURITY NUMBER

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 2024-04-13 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: CA

Complaint narrative:
On XX/XX/2024, I sent a package with documents from the FTC Identity Theft Report, FTC Notice to Furnishers, a copy of my Credit Report, and my driver 's license identification. Requesting them to report the fraudulent account. I have disputed this with Equifax and XXXX. My credit report has dropped dramatically and three of my Creditors have decided to close my accounts due to delinquency. This will be on my credit report for the next 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
Im unaware about who these guys are but they are falsely reporting a debt collection on my credit report. I never received any notices about this debt therefore they are violating my protected rights. This is causing severe stress and anxiety as I was attempting to apply for an apartment and this debt showed and prevented me from getting the apartment! I hereby am disputing this alleged debt according to 15 usc 1692g and I demand that you provide me a contract explicitly between YOU ( Diversified Adj Srv and I ) within 30 days! Thanks. Failure to comply will result in a private right of action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file an urgent complaint regarding my experience with Chime, a financial institution. On XX/XX/2024, I received notification that my Chime account was placed on hold due to suspicious activity. The notification advised me to contact customer service immediately, which I promptly did. 

During my initial communication with Chime 's representative, I provided all requested forms of identification for their investigation. I was informed that I would receive an email response within 24-48 hours regarding the status of my account. However, despite their assurances, I did not receive any communication from Chime within the specified timeframe. 

On XX/XX/2024, I contacted Chime again to inquire about the status of my account. I was informed that my account was still under investigation and that my request would be forwarded to their specialist department. Once again, I was assured that I would receive a response via email within 24-48 hours, with reference # XXXX. 

Unfortunately, the promised resolution did not occur within the designated timeframe. Subsequently, on XX/XX/2024, I contacted Chime once more. This time, a new representative informed me that the documents I previously provided had expired on their end. I complied with their request for new identity verification, and I was informed that my account would continue to be handled by a specialist. I was once again assured that I would receive a response within 24-48 hours via email, this time referencing # XXXX. 

The extended delay and lack of communication from Chime have caused significant distress and inconvenience. As a consumer, I expect timely and transparent resolution processes from financial institutions. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that Chime addresses my concerns in a satisfactory manner. 

Please let me know if any additional information is required to proceed with this complaint. I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, Customer 'A '

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You failed to investigate this account properly and your neglect has violated my rights.

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