vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XXXX XX/XX/, I made a bank transfer from my XXXX XXXX XXXX account, XXXX XXXX XXXX, Routing Number XXXX, for the amount of {$200.00} and another transfer for {$250.00} on XXXXXXXX XXXX XXXX from the same bank. Both transfers were to my Chime account from XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX, Routing Number XXXX. 

As of todayXXXX XXXX XXXX XXXX, Both Chime and The XXXXXXXX XXXX  claim they have not received the transfers, but XXXX XXXX XXXX  claims they have. My XXXX account has had the money deducted from my account. The first transfer was on XXXX XXXX XXXX ( verification code : XXXX ) and the second transfer was on XXXX XXXX XXXX ( verification code : XXXX ). 

I called the XXXX XXXX XXXX XXXX department this morning and they claimed that both transfers were completed successfully and that they would not refund the money. I then called Chime customer service and they claimed that neither transfer was showing in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

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 2023-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I have a Venmo account. Someone stole my photo and created a username one off from mine and started Venmo requesting my friends saying that I would pay them back. Venmo support says they cant take down the account and theres nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
As per the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it emphasizes the importance of consumer reporting agencies conducting their responsibilities fairly, impartially, and while respecting the consumer 's right to privacy. XXXX and Experian are recognized as consumer reporting agencies, and as a consumer, you hold the right to ensure the protection of your private information, as supported by 15 USC 6801.

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is stated that a consumer reporting agency may only furnish a consumer report based on the written instructions of the relevant consumer. The financial institution, classified as the " Furnisher of information to credit agencies '' in this case, falls under the definition of a financial institution according to the relevant title. Therefore, both the financial institution and consumer reporting agencies such as XXXX and Experian do not possess your consent to furnish your information, specifically without your written consent, as mentioned in the statute. 

Furthermore, 15 USC 6802 ( b ) ( c ) explains that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed of their option to exercise nondisclosure. In this case, the " Furnisher of information to credit agencies '' failed to inform you of your right to exercise the nondisclosure option, which is a violation.

Additionally, 15 USC 1681C ( a ) ( 5 ) states that a consumer reporting agency is not authorized to include certain items of information, including adverse items, in a consumer report without your permission, unless permitted under subsection ( b ). Therefore, their reporting of this adverse item without your permission is a violation of the law.

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) stipulates that a person must not provide any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX and Experian are required to maintain reasonable procedures to avoid violations of section 1681c and to restrict the provision of consumer reports to the purposes listed under section 1681b, as outlined by 15 U.S. Code 1681e.

Lastly, according to 12 CFR 1016.7, a consumer has the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of their reporting services.

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 2023-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX  XXXX charged off accounts and refuse to send a charge off letter. I spoke to them and they put me on hold and pass me to several people before hanging up. Before the hung up they said we dont have your account in the system, however, they had all account information including my social date of birth and address. They have created a product of my personal information and have began to sell it to multiple debt buyers like XXXX and XXXX. I had XXXX closed, however XXXX XXXX is enslaving me by holding my credit reporting XXXX, stealing my freedom in credit, after being fully credited. They do not want me to have what is lawfully mines, a XXXX and a charge off letter. I spoke with the company and they admitted they never sent a charge off letter, when the accounts were charged off last year. They have not deleted my personal information but instead are selling it to the highest bidder. Even though these accounts were fully credited, seek to be re-credited over and over again. Using the power of a large XXXX, they have deceptively used my personal information as a product of their company. They have never provided a signed contract between XXXX XXXX and XXXX XXXX XXXX  XXXX, they have not validated the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: KEYCORP
State: OH

Complaint narrative:
I purchased a {$200.00} XXXX XXXX gift card at a XXXX XXXX grocery store on XX/XX/2023 at XXXX XXXX located on XXXX XXXX and XXXX XXXX in XXXX, Ohio. I used my KeyBank credit card to make the purchase. When I attempted to use the gift card to purchase materials on XX/XX/2023, the Card # and Pin # on the back of the XXXX was damaged and the Card # and Pin # were illegible and the gift card was deemed not permissible by the XXXX XXXX employee who scratched off the section on the back of the card to view and use the Card # and Pin #. I then asked the XXXX XXXX employee to research and obtain the XXXX # and Pin #, they indicated they were unable to do so. I then proceeded to a Customer Service representative and XXXX in another part of the XXXX XXXX location on XXXX XXXX in XXXX, Ohio. The customer service representative and XXXX also informed me that they were unable to assist and directed me back to the XXXX XXXX where I purchased the giftcard. I then returned to XXXX XXXX and inquired as to refunding the {$200.00} giftcard amount or replacing the cards. They were unable to assist and directed me to XXXX XXXX customer service line at XXXX. I was informed that they would research and it XXXX take up to XXXX business days and was provided a case # XXXX and they also suggested to work with XXXX XXXX. 

I then called my credit card company, Keybank, on XX/XX/2023 to file a credit card dispute for the {$200.00} to refund the charge. I was provided a KeyBank dispute number XXXX at this time. None of these actions have resulted in a refund to my account. Please advise as to further guidance and direction. I appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

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 2023-07-06 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: ID Analytics, Inc.
State: GA

Complaint narrative:
i am a victim of identity theft i have some unauthorized fraudulent inquiries listed on my report.see attachment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I found some inquiries on my report that do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
My direct deposit of XXXX from XXXX was to go in Wednesday XXXX its been payed my my employer and payroll company XXXX yet Chime XXXX XXXX says it has not received it. WHERE IS MY MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
should be off my report promise to take off report. never did

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.

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 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ADP Inc.
State: TX

Complaint narrative:
Direct deposit not available stolen by company. Accounting should be updated. Notice of FDIC insurance claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: CA

Complaint narrative:
I submitted a complaint 44 days ago which is over the 30 day investigation response period. Im demanding that the account mentioned in the original complain is removed from all 3 credit bureau reports immediately due to company violating consumer federally protected rights. 

15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 :

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 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have repeatedly contacted Discover. My card was stolen and they setup an XXXXXXXX XXXX account. Discover did refund historical charges but refuses to block new recurring charges. XXXX tells me they card is active and associated with an account and because Im not on the account they cant remove it. Neither party is willing to fix this. Basically every month Im going to have to contact discover to dispute a new XXXX recurring charge. Since its recurring, they say theres nothing they can do about it. 

I first contacted approx XX/XX/XXXX when I saw the charges. On XX/XX/XXXX was my most recent call. I told them explicitly if this is not resolved Ill contact CFPB. They reiterated they set up a block for new charges but arent able to block recurring charges. On XXXX XXXX charged me TWICE for XXXX for XXXX, and theres a XXXX statement credit on XXXX that I guess was automatically triggered. I cant get Discover or XXXX to stop fraudulent charges. 

I cant get them to stop. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
XX/XX/XXXX we purchased a {$50.00} Amex prepaid gift card. It states it can be used at any merchant online and in person, who accepts American express. Except we can't use the card online anywhere. Its declined every place we try to use it. So far I have tried XXXX website, adding it to my XXXX account, and XXXX, and it is declined each time. However each merchant takes a 10 cent transaction fee off the card when I try to use it. 

I have spoken to customer service at Amex both yesterday on the XXXX and today on the XXXX. The first rep said he was emailing XXXX to assure them the card was valid. XXXX laughed about that and said that is absurd and would not ever be something they accept. 

Today, I called back and a rep named XXXX told me that I actually am NOT able to use the card online because of security protection that Amex uses to make sure my money is safe. It's so safe that no merchants won't take the money on websites. We can only use it in person. 

This obviously doesn't make sense so we asked for a supervisor and she said that we can not use the card at ALL at any of the merchants I have tried, even in person. She says the same thing about the card protection being so good for our safety that we just can not use it online because all the online merchants aren't able to bypass these incredible safety measures. And that even in person we can't use the card at these merchants now so we must go in person and find a different company and we can use the card there! 

This is not a solution, we purchased this card specifically with the intent to purchase cat food on XXXX website. We can't get a refund at the store we bought the card from, it's been XXXX hours since our cats ate, we can't order XXXX, we can't add the card as a payment method to XXXX or XXXX or any other financial institutions to bypass this " amazing security '' and none of the merchants we can't get to sell cat food or we would have just gone in person and paid cash in the first place! We wouldn't have wasted {$5.00} to buy a prepaid card if we could just go to a store by us and get cat food! We're XXXX, and XXXX XXXX XXXX and the closest store is over 3 miles away if we tried to walk and it's almost 100 degrees outside. 

I am highly upset, this is absolutely ridiculous and I will make sure to never use Amex again. I have NEVER had a problem like this with a prepaid XXXX or XXXX, and I would have just bought one of those but they didn't have any {$50.00} ones when I went to the store yesterday! This is ridiculous!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Was affected by a data breach at work ( through health insurance carrier ) in XX/XX/2023. There were several inquiries on my account unbeknownst to me. It appears that someone attempted to apply for a credit card using my 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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
my personal information is incorrect

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 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information as soon as possible.

Company response to consumer: Closed with non-monetary relief