vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KS

Complaint narrative:
I tried to explain to chime that their online banking and debit card app was full of security risks and flaws as a IT technical expert. Their App was unsecure which allowed the hacker into my phone and accounts remotely via WiFi hacking using a man in middle attack. The hacker then used clone a phone and once the drive and phone data was copied the hacker could see my chime banking online debit card numbers as it was part of chimes app features and I expressed to chime this was a security risk. They then didnt want to work with me or listen that Im a XXXX individual XXXX XXXX who was using chime banking to build my credit not ruin it and they would not listen. They would not accept me making payments and wanted it all at once chimes app and security flaws is why my account was compromised and the negative occurred I did not spend the money or cause the negative the hacker did through chimes security flaws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: GA

Complaint narrative:
they have my address as XXXX XXXX XXXX XXXX GA XXXX and this is not my address my current address is XXXX XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
i've been locked out of my Robinhood account for a while. Today i attempted to sign on and follow the instructions off the web " How Do I contact Robin support '' would not let me, IMPOSSIBLE!!. I tried to go through the APP as instructed, ABSOLUTELY NOT able to complete. Sends you in a loop.!! I signed in with my whole soc security number. they scanned my face, and i took a pic of front and back of driver ; s licence. I attempted to reach out through a chat. absouly a no go. The system just takes you in a loop, demanding the same info. Then I look up phone numberXXXX The phone number listed from the web, and guest what? Its telling you that this is the only number you can reach us by and to only contact them via Chat or through the App. and I cant contact them with any. Its a big loop. PLease help I am loosing my mind with the lack of customer service that help special situations. 
it instructs you to

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: AL

Complaint narrative:
I have been attempting to resolve with no avail for several months now please help me remove this inacurate and unverified information from my 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 non-monetary relief
Consumer complaint received 2024-03-24 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: AL

Complaint narrative:
I have been attempting to resolve with no avail for several months now please help me remove this inacurate and unverified information from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: CBC Companies, Inc.
State: MN

Complaint narrative:
I am a victim of identity theft. The following accounts currently showing and listed on my Innovis Credit Report Case ID : XXXX is fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX Account : XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXX, XX/XX/XXXX, XXXX, XXXX, Account : XXXX, XXXX, XXXX, Account : XXXX, XX/XX/XXXX XXXX, XXXX, Account : XXXX, XX/XX/XXXX and all of the requests only you can see is unauthorized. I want Innovis to delete and remove the consumer Statement of an opt out has been placed on this file. I want to opt in to receive pre-approval offers for credit. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
IVE REQUESTED THIS ACCOUNT CHILD SUPPORT ENFORCEM Account XXXX XXXX  be removed immedietaly. I DO NOT HAVE ANY BALANCE NOR LATE PAYMENTS WITH THEM. This is illegal!!!! Attached is the proof from the CIRCUIT COURTS PROVING I HAVE NO CASE NOR DO I HAVE ANY BALANCE OWED NOR HAVE I EVER BEEN LATE!!!! TRANSUNION IS VIOLATING 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 non-monetary relief
Consumer complaint received 2024-03-24 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: GA

Complaint narrative:
they have my address as XXXX XXXX XXXX XXXX GA XXXX and this is not my address my current address is XXXX XXXX XXXX XXXX GA 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 2024-03-24 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: FISERV FINXACT CORE
State: MN

Complaint narrative:
I am a victim of identity theft. The following 32 inquiries on my XXXX XXXX currently listed and showing on my Tele Check File Report Tracking Number : XXXX is fraudulent and unauthorized. The 32 inquiries are fraudulent, unauthorized and not my inquiries. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, 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 2024-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: French Financial, Inc.
State: TX

Complaint narrative:
This company is reporting this loan as a charge off with contiuous charges and fees added consistently, which is affecting my ability to get any forms of credit, home car, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and fraud, I have submitted police reports also saying proof of the loan fraudulently being obtained in my name and also that the repossession should be removed. I have been denied removal of account from my credit reports and refused any response as to why this decision was made

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
When I bought the car, they had me pay a down payment, and then I also had to pay the seller a down payment at the end of the term I requested one main to give my title. They stated they never received the title and never notified me in the interim, they have also ruined my credit for life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Columbia Debt Recovery LLC, dba Genesis ( " Columbia Debt Recovery '' or " the Company '' ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

XXXXNature of ComplaintXXXX Columbia Debt Recovery is attempting to collect a debt from me. However, the Company 's actions violate my rights under the FDCPA and FCRA in the following ways : XXXX XXXXLack of Licensure : XXXX  I reside in North Carolina . According to my research, Columbia Debt Recovery is not licensed to collect debts in this state. This makes their collection attempt illegal. 
XXXX XXXXMissing Debt Validation : XXXX  The Company has not provided me with debt validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this lack of validation, they have placed a collection notice on all three of my credit reports.

XXXX XXXXDisputing Rights : XXXX I have not been given a fair opportunity to dispute the debt as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
XXXX XXXXDeceptive Conduct : XXXX By furnishing information to credit bureaus without proper disclosures, Columbia Debt Recovery is potentially using false, misleading, or deceptive means to collect the debt, which violates 12 CFR 1006.3 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

XXXXRequest for ReliefXXXX  I dispute owing any debt to Columbia Debt Recovery XXXX I hereby revoke all rights for them to communicate with me through email, text messages, or calls. 

Furthermore, I request the following XXXX XXXX XXXXDebt Validation : XXXX I demand Columbia Debt Recovery provide complete debt validation information as outlined by law. 
XXXX XXXXPurchase Agreement : XXXX If Columbia Debt Recovery claims to have purchased the debt, I request a copy of the purchase agreement between them and the original creditor. 
XXXX XXXXProof of Licensure : XXXX The Company must provide evidence that they are licensed and bonded to collect debts in the state of North Carolina XXXX 

I believe Columbia Debt Recovery 's actions have negatively impacted my credit report and caused me undue stress. I request the CFPB to investigate these violations and take appropriate action against the Company. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
XXXX XXXX XXXX i have never had an account with this Company and they are reporting on my report along with the original Creditor who is XXXX XXXX they are bout reporting the same information at the same time so on my report it looks like i owe them along with XXXX Fed also the account with XXXX XXXX has been over 8 years old but this company is now reporting it as a new account... 

XXXX XXXX has updated and remove from my transition credit report and i need them to remove it from my XXXX AND EXPERIAN

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 2024-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MN

Complaint narrative:
JEFFERSON CAPITAL SYSTEM REPORTED ON MY CREDIT BUREAU THAT I OPENED A XXXX ACCOUNT ON XX/XX/year> ( 3 MONTHS ) AND IT WAS PLACED AS A COLLECTION ITEM IN MY CREDIT HISTORIES. 
I DID NOT OPEN ANY ACCOUNT WITH XXXX. 
IT MUST BE A MISTAKEN IDENTY. 
I AM REQUESTING THAT JEFFERSON CAPITAL SYSTEM REMOVE THE COLLECTION FROM ALL CREDIT BUREAUS WITH IMMEDIATE EFFECT AND THEY SHOULD SEND ME THE ORIGINAL CONTRACT SIGNED BY ME WITH THE ORIGINAL SIGNATURE, THE NAME ON THE APPLICATION, AND THE ADDRESS INCLUDING ANY SUPPORTING DOCUMENT FOR THE APPLICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: Early Warning Services, LLC
State: MN

Complaint narrative:
The following information currently showing and listed on my Early Warning Comprehensive File Disclosure Consumer ID : XXXX isnt my bank account or inquiries : XXXX, XXXX  Routing Number : XXXX, Bank Account Number : XXXX, XXXX XXXX XXXX XXXX, Bank Routing Number : XXXX, Bank Account Number : XXXX, XXXX XXXX XXXX XXXX, Bank Routing Number : XXXX, Bank Account Number : 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 and XXXX XX/XX/XXXX. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CARD Corporation
State: CA

Complaint narrative:
I just received an unsolicited " XXXX XXXX XXXX XXXX '' from " XXXX XXXX. '' of South Dakota, licensed by VISA, asking me to activate their debit card. When I called the number to complain and cancel the unsolicited card, the automated answering service asked for my Social Security Number. It reeks of fraud, and possible identity theft. The website they provided is CARD.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: NC

Complaint narrative:
It has been several months since I last reviewed my credit report, and I have discovered that some information is still inaccurate. The three credit bureaus are obligated to verify these items as per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to consider these reported items as unverified without providing evidence within the lawful timeframe. Pursuant to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I request an immediate investigation into the unverifiable items and their prompt update in my report.XXXX  XXXX XXXX XXXX  and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: AL

Complaint narrative:
There are several inaccuracies on my credit report as well some unverified, unauthorized, and fraudulent accounts on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a Chase card - Sapphire ( ends in XXXX ). In XXXX XXXX, I paid off all purchases, and decided to cancel the card because of the high annual fee ( {$95.00} ). When I spoke with a Chase rep ( early XXXX ), I was assured that the fee would be credited. It was not. I called again in early XXXX, and was again told that the fee would be credited, including the late fee Chase charged ( for an item that should have been credited ). Apparently, that did not work either, because on XX/XX/XXXX, I got messages that my credit score changed ( it is typically between XXXX and XXXX ). 
I called Chase on the same day ; spoke with a supervisor ; and had my concerns validated. Chase had not only no credited the fee ( which is forward-looking ) as promised, but then sent derogatory reports to credit agencies regarding the non-payment ( for a card that had been cancelled ). When I spoke with the supervisor, she said that the fee would be credited, but the reports would not be withdrawn. 
This is not only going against the promises Chase reps made, but is an entirely illogical outcome. 
Please, request that the Chase customer service dept. credit the fees, as promised, and retract any and all derogatory reports the bank may have sent to the credit bureaus. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My laptop was hacked last week and the hacker used my venmo to clear out my bank accounts. Venmo originally credited my money back when I disputed it so my bank didn't credit me, but now I've closed the account that was connected and it the money in a new amount and venmo is saying they won't unfreeze my account unless I reconnect the old account that no longer exists and give back my money they recovered from the hacker. No matter what I tell them they're running me in circles over email and have been for three days. I have screenshots of everything if needed. My mom is a XXXX  and even she doesn't understand what their problem is and why they want this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
So I got sick before my first payment was due, at first they worked with me, which I just has XXXX a month ago that sick. Santander finally put my cat for repossession, even after saying they would work with me till I could get back to work. I had to.start borrowing money to get the {$1800.00} paid off, I paid {$1800.00}, so paid off last month. I got an email today saying I'm behind 3 payments and car back for repossession????????? According to online {$1600.00} is owed, which means either payments were not processed correctly, or they have charged me {$1600.00} in fee 's. I have sent them an email, I'm literally trying to get better, threw up today, so the stress is delaying my healing. Santander is a horrible company and how what they do is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
They declined my claim for a fraudulent purchase on XX/XX/2024 for XXXX. ive been very loyal to chase and it saddens me that theyve declined my claim. Theyre removing my XXXX credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: CA

Complaint narrative:
On XX/XX/24, I received notice that the account XXXX XXXX XXXX XXXX was removed from my Equifax credit report. However on XX/XX/24, I received another notice that this same account was re-added to my account. I asked for certification of this account belonging to me but I was never given this certification. Also there are inaccuracies for this account across all the 3 credit report. I am asking this account be removed from my Equifax and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I recently called to cancel my AA Aviator credit card over the phone. At the time of cancellation, there was a remaining balance of {$99.00} due to the annual fee. The representative assured me that this fee would be credited back to my account, bringing the balance to XXXX. Consequently, he canceled the payment. 

Over the subsequent weeks, I've made several attempts to follow up with the bank regarding the status of this credit. Each time, I've been informed that the credit is still in processing and that no further action is required on my part. Additionally, I was advised to disregard any past due notices. 

However, despite these assurances, the {$99.00} balance remains on my account and is marked as past due. To exacerbate matters, on XX/XX/XXXX, the bank reported this past due balance to the credit bureau.

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX i have never had an account with this Company and they are reporting on my report along with the original Creditor who is XXXX XXXX they are bout reporting the same information at the same time so on my report it looks like i owe them along with XXXXXXXX XXXX also the account with XXXX XXXX has been over 8 years old but this company is now reporting it as a new account... 

XXXX XXXX has updated and remove from my transition credit report and i need them to remove it from my XXXX AND 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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX i have never had an account with this Company and they are reporting on my report along with the original Creditor who is XXXX XXXX they are bout reporting the same information at the same time so on my report it looks like i owe them along with XXXXXXXX XXXX also the account with XXXX XXXX has been over 8 years old but this company is now reporting it as a new account... 

XXXX XXXX has updated and remove from my transition credit report and i need them to remove it from my EQUIFAX AND XXXX

Company response to consumer: Closed with non-monetary relief