vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MA

Complaint narrative:
today XXXX, i got XXXX emailsafter XXXX from chime stating that they were closing my accounts i have XXXX different types of accounts with them savings checking and a creditbuilding account. all of them were in the positive balance. i recieve my social security XXXX income check on the XXXX of the month through chime s checking account. i also recieve XXXX dollars on the first of the month through chime from XXXX  which is a supplemental check so through direct deposit i recieve my money every month. i checked the emails which ill include, i went to sign into chime abd it said sorry account has been closed and i couldnt sign in i have XXXX cards XXXX is for the debit checking account and the other is for the creditbuilder axxount they no longer are good now. i called the customer service line of chime financial inc. i spoke to a representitve named XXXX ref # XXXX he looked it up and told me that yes your accounts are closed and i asked why my accounts were closed and where is my money from my accounts. he said that basically the computer does everything and i cant get my money back nor can i have my accounts open, i asked for a manager/ supervisor to speask to and not an answering machine. and gray transfered me to a manager from chime named XXXX and XXXX the manager from chime who i spoke to asked him same questions got placed on hold and he also came back and said that he checked twice and it doesnt really say why my accounts got closed, but he said since there alredy closed i cant open them and i asked about gertting my money and he said he cant do that, and they have the recorded phone calls, i cant even sign into the acounts to print out a statement they just closed them and took my money and here i am. all i have are my chime cards the XXXX emails and i cant sign into my account to print any thng t0 show you what was in the accoiunt i know it wasnt a lot of money but i live off of my XXXX  and XXXX XXXX XXXX XXXX XXXX  and now my, omey is heading to chime again because of the dates the direct deposit wont be changed in time takes 2 months sometimes. chime couldnt assure mee that if my XXXX  and XXXX  gets sent to my closed account that it will be returmed they dont know so chime could get XXXX more months of my money i have a wife and XXXX children a lot of bills. i need this fraud to stop happening i feel like they robbbed me and then thats it they get away with it probably XXXX percent of thre time. they will have statement that will show you my accounts were all in the positive/ so this is one action im taking and the others i explained above. and if i have to ill get a lawyer, i also filed a report with the better business bureau, and this is just another step im taking hoping i can get my money back, and some answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$1300.00}

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 2025-01-09 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: Army and Air Force Exchange Service
State: IN

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1300.00}

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 2025-01-09 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: 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 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 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 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
This is a continuation of complaint number XXXX We received the check of {$25000.00} but it was made payable to me, XXXX XXXX instead of my grandson XXXX XXXX . My grandson and I had a joint account at Chase because he was a XXXX. When Chase closed our account my grandson turned XXXX and opened an account in his own name. I called Chase to let them know the check was made payable to the wrong XXXX. They said they would stop payment on check # XXXX and reissue it in XXXX 's name. Have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had a fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit.

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 2025-01-09 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: CashRepublic Holdings, Inc.
State: IN

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXX Balance {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I, XXXX XXXX, am filing a formal complaint regarding Chases denial of credit based on invalid and discriminatory reasoning. According to Chase, I was denied credit due to allegedly having over-the-limit credit cards. However, my attached credit report proves this claim to be entirely false. All of my credit cards are below 10 % utilization, with many showing no balances at all. Furthermore, my credit scores are consistently high, and my credit profile demonstrates strong financial responsibility. 

When I sought reconsideration of the denial, I was informed that my credit limits of {$2500.00} with no utilization were cited as a reason for denial, as per the underwriting process from Chase. This rationale violates my consumer rights under fair lending and credit access laws. Denying me credit simply because I responsibly maintain low or no utilization on my credit cards is unjustifiable and discriminatory. 

As a Mexican-American business owner striving to grow my business and contribute to the economy, I can not overlook the racial bias inherent in this decision. The denial undermines my efforts to expand my brand and build my company, a right afforded to all American business owners. Such actions from Chase not only contradict principles of fair lending but also perpetuate systemic barriers that hinder minority entrepreneurs from achieving financial equity. 

Attached to this complaint is a copy of my credit report, which irrefutably demonstrates my qualifications for credit approval. I urge the CFPB to investigate this matter thoroughly and hold Chase accountable for this clear violation of my consumer rights. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: OneMain Finance Corporation
State: IL

Complaint narrative:
I did not inquire XXXX XXXX XX/XX/year>, someone may have stolen my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
in report XXXX equifax listed that they investigated accounts not on my report or the complaint. so they have inaccurate and incomplete data and i have attached the original complaint. 
Delete the non permissable information- see original complaint in attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: CA

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 Trafficking debt bondage, which falls under trafficking according to Trafficking-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 human trafficking of Debt Bondage and would like for all listed Inquiries to be blocked and deleted company information from TransUnion. 

Please delete the following Inquiries XXXX - XX/XX/XXXX XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-09 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: CA

Complaint narrative:
I have previously disputed accounts on my consumer reports. The CRA 's Experian, XXXX and XXXX have failed to properly investigate the accounts. They continue to violate the consumer laws and report inaccurate information. I have disputed with the following consumer laws and sent all correspondence by certified mail. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 explanation
Consumer complaint received 2025-01-09 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: FL

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 2025-01-09 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: Self Financial Inc.
State: IN

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted XXXX numerous of times to resolve this problem and have not been successful.

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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
" First of all this is not a duplicate complaint '' I am also writing to request documentation related to charged-off account/s that I believe have been declared as losses or uncollectible debts by your institution. Specifically, I am seeking a copy of Form 1099-C, Cancellation of Debt, for the relevant account/s. 

PENTAGON FCU Account number XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} PENTAGON FCU Account number XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5600.00} I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. I understand that when a creditor deems a debt uncollectible, it is required to file Form 1099-C with the Internal Revenue Service ( IRS ). 

See attachment for more details.

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 2025-01-09 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: TN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Dispute Center XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XX/XX/XXXX Subject : Formal Dispute of Incorrect Credit Report Entry ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXXXXXX : XXXX ACCOUNT : XXXX  ACCOUNT # : XXXX To Whom It May Concern : I am writing to follow up on my previous disputes regarding the account listed above, which continues to be reported inaccurately on my credit report. Despite my initial disputes on XX/XX/XXXX and subsequent follow-up on XX/XX/XXXX, the reported information remains incorrect. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and complete credit report. After reviewing my records and the responses provided, I remain unconvinced that adequate steps have been taken to verify the accuracy of this account. 

Specifically, I am disputing the following inaccuracies : PAYMENT HISTORY Upon review, I have observed that this account continues to be reported as having a monthly payment history, even though it should not be due to it charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations.

Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. Due to this apparent oversight, I insist on the immediate removal or " XXXX '' of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. 
XXXXXXXX XXXX XXXX  WAS PREVIOUS REPORTING AS XXXX XXXX XXXX, I HAVE NEVER HAD ANY CONTRACT WITH EITHER COMPANIES. I HAVE SEEN SEVERAL CHANGES MADE ON MY REPORT REGARDING THIS COMPANY. ACCOUNT WAS ONCE REMOVED AND NOW REAAPEARED. YOUR COMPANY IS NOT DOING ITS DUE DELIGENCE AND I WILL SEEK LEGAL ACTIONS AGAINST YOUR COMPANY. 
XXXX HAS BEEN DELETED FROM MY XXXX AND XXXX THEREFORE YOUR COMPANY SHOULD HAVE REMOVED THIS FROM MY REPORT. SEVERAL CHANGES HAS BEEN MADE ON MY REPORT REGARDING ACCOUNT. I HAVE NO CONTRACT WITH THIS COMPANY AND HAS BEEN REPORTING WRONG INFORMATION SINCE XXXX. I WILL SEEK LEGAL ACTIONS IF THE ACCOUNT IS NOT REMOVED. 
Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2025-01-09 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: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: MI

Complaint narrative:
Dear Equifax, I am writing to inform you that I am a victim of the data breach that occurred as a result of the high-risk security incident involving your company. In accordance with 15 U.S.C. 1681c-2 ( a ), I am requesting that all accounts related to my personal information and listed be blocked and deleted from your records to protect me from potential harm or fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Tonight, Wednesday, XXXX XXXX, XXXX, I attempted to pay {$6.00} on my XXXX Chase account. However, I did not wish to speak to a person over seas. I used the voice recognition and stated my name and address. 
However, the representative still wanted more information that I refused. 
I do not want an increase in my line of credit and I do not want any updates as my address, phone number, income is still the same. 
But I was transferred 3 times to the fraud department. 
This over attempting to make a {$6.00} payment. I think I was flagged because of discrimination by Chase. There was absolutely no reason that I was directed to fraud.

One person in fraud did not have a clue why I was transferred so I disconnected the call. Then XXXX and XXXX would not tell me as well as to why I was directed to the fraud department. I do not desire an increase in the line of credit ; I simply wanted to pay the account out. 
I am now going to mail the payment and will decide how to address this discrimination against me for no reason whatsoever. I pay my account out and keep a very low balance. There was no reason to try to force me to give an update or verification. I was singled out.

Company response to consumer: Closed with explanation