vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am in the middle of someone attempting to steal my identity and chime locked my account, they told me without a valid id I could get access back to my money but the valid one was stolen along with my social security card. I have had my account locked before and submitted the same identification that is expired and they accepted it along with on other occasions finding a way around it. It is every XXXX that I have XXXX dollars in my savings and XXXX on my credit builder along with XXXX dollars on my debit card. Now how would I know that if isnt my account? Without that money I cant eat or pay rent or make my car payment. I set an appointment at the dmv for the XXXX of the month which is the earliest it is available. It will 2-6 weeks after that day that I will receive my new id. I wont have an address for them to send it to if I dont get my money back. Ive spoken to their specialist who refers to the customer support who refers to the specialist who refers back to customer support for them to get upset and tell me that they will not accept my id. Ill be leaving this bank as soon as possible because obviously being with chime since before they had bill boards and sponsored the XXXX does nothing for me. Every single person should have to retake public relations and how you talk to customers. This is absolutely ridiculous that I have to go to this extent just to get what belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2024-11-19 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: WI

Complaint narrative:
Account name XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/year> Status Open. {$340.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$17000.00}

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 2024-11-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Using Experian is a hassle they dont have a system set up too where you will be able to speak with customer service their automative system send you through loopholes without ever being able to resolve the problem check your credit score or do anything within the app changing your number and having the old one connected to your account is one of the worst they dont give you a option to change it only verify your identity through the old 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 explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Corp Solutions Inc.
State: AZ

Complaint narrative:
The contract related to this account is unverifiable and or has been paid off by insurance and I am not liable for any third party collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. In compliance with USC 1681g, I request their removal within 15 days. Attached are the relevant documents for your review and reference.

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 2024-11-19 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-11-19 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/2024, I reported to XXXX that they were inaccurately reporting information regarding my Capital One credit card, which caused my FICO score to drop. I provided them with a statement on XX/XX/XXXX, and they responded that they were still working on my dispute. By XX/XX/year>, they completed the dispute ; however, the information still needed to be completed. Although my score increased, it didn't reach the correct amount. Recently, I found out they reported using 60 % on my credit card, which resulted in another XXXX drop in my score. My balance is {$270.00}, with a credit limit of {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  CARD XXXX XXXX FIN XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX LOBEL FIN XXXX XXXX  ( Original Creditor XXXX XXXX AT T ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX CO ) 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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Asked for company to maximum accuracy of reporting and 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 non-monetary relief
Consumer complaint received 2024-11-19 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: NC

Complaint narrative:
Ordered items from company Branded By XXXX on XX/XX/XXXX for {$580.00}. The business owner is XXXX XXXX. Items came with wrong telephone number, broken pieces, missing pieces and a tent that had someone else 's logo on it. I did not authorize the order this way. The order was set up on XXXX XXXX. 

I contacted XXXX several times without a response. When she did respond she stated Oh they must of been rough with your stuff. 

I asked XXXX for a dispute to be open. XXXX refused. XXXX finally did it. It was closed shortly after without consulting me. This is not the typical process. 
After multiple request, I received a message stating that I would get a full refund. The refund never showed up in my account. I contacted XXXX about XXXX times with no response from her. XXXX responded with a lame excuse that half the money was refunded and the other half the bank would not take. He stated the bank rejected the refund and charged back the money. 
I verified with the bank that no money was refunded and the bank would have not refused a refund. 
This seems like someone trying to steal the refund. 
Please have a higher level leadership look into this. 

Message sent to XXXX : XX/XX/XXXX, XXXX You sent Your image that you display does not show the big gaudy logo. Additionally you dont not have it posted that it comes with an additional big gaudy logo. Therefore there was no way for me to know your false advertising was a set up. Had you posted the additional tacky logo, I would have not ordered it. 

It is against the law for false advertising. 

1. You delivered an item with missing pieces and try to present it as a full unit. You didnt change the number so the retractable banner has to be reprinted and delivered to a different address.

2. The tent is white ( this is an error i corrected it in another message saying it was gray ) W white tent was ordered. There is an additional logo I didnt approve of. 

Given your false advertisement you can refund the money for the tent OR you can mail out a tent without that asinine XXXX logo. You got 48 hours to decide before I file multiple complaints. 

On XX/XX/XXXX XXXX agreed to a full refund. The full refund was never put into my account. The numbers and facts don't lie. This is simply a matter of starting from the first payment and notating when payments were taken out, what dispute amount was processed by Chase, what dispute amount was rescinded and what's owed. 

I know I'm owed half the money back to complete a full refund. 

Additionally, XXXX  XXXX suspiciously asked me to get a letter from Chase on letter head with the amounts they credited or provided my banking statements. This was highly suspicious because identity theft would have been real easy with someone in the possession of my banking statements especially with how spread out the payments were.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: PA

Complaint narrative:
Ive been a Chime customer between XX/XX/XXXX and XX/XX/XXXX. 
Ive experienced unauthorized access to my personal information, account. 
Ive had unauthorized or fraudulent withdrawals or transfers which resulted in my account to become negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently paid off an account reporting in my credit report. I have since tried to get my credit report updated to remove the item or report the item as satisfied or paid. I submitted a dispute with Experian twice providing documentation with receipts showing the debt has been paid in full but both requests were closed stating no updates were made.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of identity theft. I sent Experian and the other two bureaus my police report. XXXX and XXXX blocked the fraudulent accounts listed in the police report within 4 days pursuant to the Fair Credit Reporting Act. Experian continues to report fraudulent information on my credit to date. I have called in to resolve this and the representatives have heavy accents and are located outside of the United States. I don't think they are fully familiar with the Fair Credit Reporting Act. I never opened an account with XXXX XXXX. It is included in the police report and Experian is still reporting this fraudulent 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 2024-11-19 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am writing this statement to provide details regarding the unfortunate incident in which my identity was stolen. This experience has had significant impacts on my personal, financial, and professional life. 
On XX/XX/23, I first became aware of suspicious activity upon being released from being incarcerated, after being released I noticed that my phone was stolen, my home had been broken into & it was a check that was cashed in my name through my bank account.After further investigation, I discovered other unauthorized transactions, & that all of my immediate funds had been stolen. 
I immediately took steps to address the situation by contacting my bank, filing a police report, placing a fraud alert on my credit report, etc.Despite my efforts, the incident resulted in financial loss, damage to my credit score, emotional distress etc. 
I am committed to cooperating fully with XXXX  XXXX to rectify this issue and prevent further damage. I can attach any relevant documents that may assist in your investigation, including police reports, bank statements, credit reports, etc. 
Please feel free to contact me should you need any further information or clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
Last week I submitted a complaint regarding COLUMBIAN DEBT RECOVERY. To reiterate, I felt that they never properly notified me, before reporting the debt to all 3 credit bureau 's. They reported on XX/XX/XXXX of XXXX, I did not receive initial letter inquiry until XX/XX/XXXX Via email. So by then, they had already started the credit reporting process before giving me the proper time to dispute or act on the debt. According to their email, the debt was assigned XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I received no calls, emails, letters, etc. any form of communication. On the email, they listed my address as " XXXX XXXX XXXX XXXX '' In the city of XXXX in Arizona. Not only was I not living their at the time, I never lived their at all. I will attach a temporary drivers license that I ordered in XXXX of XXXX at the time. I had been living at this address for 3 months at this point. So They can not say I ever received letters from them. I also submitted an inaccuracy with all three bureau 's and XXXX is not properly taking the time to truly investigate. They received dispute via mail on XX/XX/XXXX and already have the dispute marked as complete. XXXX and XXXX have not done this yet so far, but XXXX is not doing as requested. Instead of trying attempting to investigate the inaccurate delinquency or delete the item, all they did was just erase the Delinquency date altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have called, sent letters, tried online to fix since XX/XX/2020and have not had any luck. There is a " extended fraud alert '' on my credit report. I have sent multiple letters with information to verify my identity and they send letters back and ask what kind of alert i am wanting to replace. It seems like no one can read a letter clearly or remove the report from my credit. I have been denied auto loans, mortgages and other due to other companies not being able to verify the alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : INSURANCE SELFREPORTED Account # : XXXX XXXX XXXX. Account # : XXXX XXXX SELFREPORTED. Account # : XXXX XXXX SELFREPORTED. Account # : XXXX XXXX SELFREPORTED. Account # : XXXX UTILITY SELFREPORTED. Account # : XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2024-11-19 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: VA

Complaint narrative:
I recently viewed my credit and noticed fraudulent activity on my report. Please remove fraudulent activity as it is hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The debt was charged off in XXXX  debt collector reporting as new

Company response to consumer: Closed with explanation