vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$130000.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
There are two inquiries on my credit report that I do not recognize or gave any permission to use of my personal 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 non-monetary relief
Consumer complaint received 2023-04-02 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: IN

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: IN

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-02 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX, XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

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 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/23 XXXX XXXX XXXX and I made an agreement to settle a collection of {$1400.00} paid in full and removed from my credit report for {$1100.00}. I was promised that a letter would be sent to me stated those details. The collection agency reported that I only paid XXXX which has still left a balance of {$340.00} on my credit report. They also stated that I would receive a letter in ten days after the payment was approved. It is now XX/XX/23 ( 16 days ) and I did not receive the letter stating that this debt is resolved in full and would be deleted from my credit report. 

Under an investigation to XXXX and Transunion and XXXX. All companies are refusing to remove the existing amount in full from my credit report even after showing them the noted ( Conversation ) I have with XXXXXXXX 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 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/23 XXXX XXXX XXXX and I made an agreement to settle a collection of {$1400.00} paid in full and removed from my credit report for {$1100.00}. I was promised that a letter would be sent to me stated those details. The collection agency reported that I only paid XXXX which has still left a balance of {$340.00} on my credit report. They also stated that I would receive a letter in ten days after the payment was approved. It is now XX/XX/23 ( 16 days ) and I did not receive the letter stating that this debt is resolved in full and would be deleted from my credit report. 

Under an investigation to Experian and XXXX and XXXX. All companies are refusing to remove the existing amount in full from my credit report even after showing them the noted ( Conversation ) I have with 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 explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. This account is also reporting inaccurate accross all 3 reporting agencies. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
Item showing I owe a balance of {$23000.00} I am Hereby Demanding Deletion to the Invalid information Showing on My XXXX XXXX Credit file. This is a violation Pursuant to My Fair Credit Reporting Act Section 1681b ( c ) a SERIOUS breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This another complaint in reference to the lies from the reply on XX/XX/XXXX. XXXX is the first complaint id. I'm simply going to let you know that this bank will lie after lie after lie and have attached a letter as proof that I have been lied to and will lie even to the government my claim has been reviewed and accepted by Globel American Express XXXX team in the amount of XXXX dollars why have they only credited XXXX to my new account that's cancelled and can't receive new cards as Mr or ms stated in the reply to my complaint and have been told I can only apply well if this law breaking bank would fix the reported closed account in collections I probably would have been approved but guess what since you have both my accounts closed and breaking the law because it's under a XXXX investigation and I yet have been able to get replacement cards I will attach proof of this and demand they be reprimanded for being XXXX XXXX shame on you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC
State: IN

Complaint narrative:
The company has been notified this was ID theft, and proper documentation has been sent to both the company and all three credit bureaus and will not do anything about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NRA Group, LLC
State: VA

Complaint narrative:
I have a payment schedule setup to auto-draft from my account and have made the agreed payments. now this debt is showing back up on all 3 reports as delinquent and it has cost me XXXX points. I have provided proof of the last 2 payments, which reflect that the reporting information is NOT at all accurate and is hurting me badly as i entered into the agreement in good faith.

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 2023-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I transferred XXXX points that I had on my chase southwest credit card to my wife 's account. Now the credit card company charging {$600.00} for no reason. I filed a complaint with credit card company chase unable to resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02 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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: OPORTUN FINANCIAL CORPORATION
State: NY

Complaint narrative:
Oportun/XXXX  credit card opened in my name and now has a owed balance of {$350.00}. I have no aware of this card and would like it to be removed from my credit asap. XXXX XXXX XXXX, Im not sure what this is on my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX XXXX 2023, I received several e-mails notifying me that I had been enrolled in Online and Mobile Banking with Bank Of America who I have never had an account with. I also received e-mails asking me to verify my email address, that my online application was being processed and was approved. Then I received an e-mail that my e-mail address was updated with them. None of this was done by me so I immediately called the Bank Of America fraud department to report this and at approximately XXXXXXXX XXXX I had spoke to a representative named XXXX to investigate this. Upon reviewing my first and last name and state of residence, I was assured by the representative their was no account open with my name and that they werent sure why I was getting those e-mails. However on XXXX, XXXX 2023, I had received an alert from XXXX credit monitoring about an inquiry from Bank Of America that my SSN had been used to open a bank account with Bank Of America but oddly received an e-mail from Bank Of America again today that my application for an account with them had been denied based on information they received from 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 explanation
Consumer complaint received 2023-04-02 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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-02 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: PA

Complaint narrative:
As a federally protected consumer, Im aware thats youve assumed a vital role in assembling and evaluating information pertaining to me. Congress makes it known that I have a RIGHT TO PRIVACY as a federally protected consumer in which youve infringed upon without my lawful consent. Pursuant to 15 USC 1681, It is the purpose of the Fair Credit Reporting Act to insure that you exercise your grave responsibilities with fairness, impartiality in a manner which is FAIR AND EQUITABLE to me as the consumer! Inaccurate reporting impairs the efficiency of the banking system, weighs on my credit worthiness, and damages my character!

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 2023-04-02 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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-04-02 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Experian, XXXX, XXXX To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On ( insert date of report XX/XX/XXXX ), I retrieved a copy of my credit report an inquiry that I have no knowledge of. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXX XXXX, XXXX. 
Because I did not apply for credit with I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX 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 explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: KY

Complaint narrative:
On Wednesday XX/XX/XXXX I XXXX XXXX XXXX sent {$5000.00} From my Chime account to my girlfriends Account via her phone number. The reason XXXXXXXX XXXX  is listed instead of chime is because thats who their insured by. On Chimes website there is a FAQ that gives instructions on how to send money to family and friends and I followed those instructions step by step. My girlfriend doesnt have a account with chime and on step 3 on chimes website it states you can send money by typing in the receivers phone number which is what I done. When I typed in my girlfriends number to send the money a pop up comes up and says send {$5000.00} to XXXX and I clicked yes. Once the money was sent and my girlfriend didnt receive the funds I looked in my transaction and I see the money was sent to someone by the name of XXXX XXXX Someone I dont know. My girlfriend has Had that number on her sisters XXXXXXXX phone plan and that number has been active since XXXX of this year Of which I have proof of. I did everything the instructions told me to do on chimes website but my money was still sent to the wrong person. When I typed in my girlfriends number on the chime website the name XXXX didnt show up or I wouldnt have sent the money. His name showed up on my transaction after the money was sent. XXXX the individual who got my money must of had a account set up with The same phone number my girlfriend now has so instead on her getting the money he got it. When I contacted chime they stated there was nothing they could do and they wouldnt be sending me my money back. I didnt do anything incorrect, in fact I followed every step the website told me too and my money was transferred to the incorrect account even though I sent the money to my girlfriends phone number that is active. Please help with this issue. Im uploading a few files to show what happened when I sent the money. Last night XXXX/XXXX/23 I sent the same number a {$0.00} to show exactly what happened when I unwillingly sent {$5000.00} to the wrong person without knowing. Im also uploading a file to show my girlfriends number is active under her sisters account ( XXXX XXXX ) and not under a XXXX.

Company response to consumer: Closed with monetary relief