vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
XXXX XXXX XXXX unauthorized transactions of XXXX XXXX XXXX XXXX dollars was made to my account. When I noticed that my account have been hacked I called chime and spoke with a chime customer service representative and inform them that I wanted to dispute the XXXX unauthorized transactions. I informed chime that I dont know any of the receivers that have received the money none of those users are in my contacts and Ive never sent money to them. I let them know that My account has been compromised and I wanted to get new credit cards to avoid any more unauthorized transactions.Ive called and spoke with the dispute department and they told me I was eligible for a temporary credit of XXXX dollars. The day before I was going to receive my temporary credit my claim cased was closed. All of my money was stolen from me and my family. This is the second claim Ive filed with chime about the unauthorized amount of XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I have received by first printed bill from Truist after transfering my from another card in XXXX. The terms of the Truist Credit Card balance was 0 % interest for 1 year/12 months. When I looked at the bill that I have received it was NOT 0 % ( bill attached ). When I received the letter that my balance transfer was " in process '' there was NO mention of the change of terms of the transfer. I called XXXX on XX/XX/XXXX at XXXX pm to discuss the Bait and Switch and spoke with XXXX ( who was very nice ) but told me there are NO credit cards available now for me with a 0 % balance transfer and that would create a report # XXXX. In Mid XXXX BEFORE I made this transfer my Credit rating was XXXX and I would NOT have applied for another credit card balance transfer if it wasn't 0 % interest for a set period of time!!! When I submitted my information, Truist had your choice of THREE different credit cards with different benefits but ALL THREE HAD 0 % balance transfer. Please help, there was not small print that gave the consumer a chance to decline if there were different terms!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello, On XX/XX/XXXX I mistakenly sent a XXXX payment of {$1000.00} to the wrong recipient XXXX XXXX XXXX ) XXXX. I immediately contacted her and let her know that I mistakenly send her the funds and if she could please return them. She said she opened a case with XXXX XXXX XXXX XXXX  XXXX. I also opened a case with my bank Chase Bank Claim number : XXXX and XXXX. XXXX says the funds are not in her account, and XXXX XXXX is in possession of the funds. Chase claims they have been unsuccessful in retrieving the funds. I called XXXX XXXX to sort out the recovery of the funds, and they said due to internal procedures they are not able to return the funds directly to me and that Chase would need to file a claim on my behalf. Chase bank refused to contact XXXX XXXX to assist me in retrieving the funds. XXXX XXXX has confirmed that they are in possession of the funds. 

The recovery ID on XXXX XXXX is XXXX XXXX Any intervention will be greatly appreciated. Thank you Please reference previous case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: NC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit 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 2023-04-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I was told that my auto loan was with XXXX and not XXXXXXXX XXXX when I did my lease end buyout with XXXX. Therefore, I did not receive the mailing from XXXX XXXX regarding my loan and did not make payment. I reached out to XXXX several times between XXXX regarding not receiving a bill for my auto loan and was told that it would be coming shortly from XXXX and not XXXX. The communication was terrible. I also never received official looking documentation from XXXX XXXX or any communication until I contacted XXXX Bank on XX/XX/XXXX after finally finding out from XXXX that my auto loan was serviced by XXXX Bank. It was at this time that I explained the situation and made my entire payment in full and set up autopayment. I contacted Experian and XXXX Bank on XX/XX/XXXX to discuss and dispute this and my issue was not resolved. I pay all of my bills on time and would have done so if I received proper communication from XXXX and XXXX XXXX This took over 2 months for me to find out that my load was with XXXX XXXX at which point my account was past due and I did not know about 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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear Transunion, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 US Code 1681A Title Definitions.

I missed two payments on my [ XXXX Credit Card ]. As per the terms of the agreement, this missed payment was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future.

However, I would like to draw your attention to the rules of construction under 15 US Code 1681A Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed from my credit report.

I would appreciate your prompt attention to this matter and your confirmation that the missed payment has been removed from my credit report. 

Thank you for your time and consideration. 

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I received a letter from CFPB stating that this claim was closed to protect my privacy because you all did not think this was me. The claim that i am not trying to fix my own credit using my own resources and knowledge is frivolous as it does not make sense due to the fact that during the initial submission of the original complaint, I selected that it was me submitting the claim on behalf of me, so how do you send a letter saying that it's not me. How can you deny me a proper investigation or research but not approach the furnisher of data with the same efforts. I have sent multiple written letters sent via certified mail to the original creditor XXXX XXXX XXXX asking for verification of this debt, I've sent multiple letters asking for verification of this debt to the current collection agency NATIONAL CREDIT SYSTEMS and have not received a response. I have proof and documentation of all communication to each of these individual companies and not one of them has provided me with the proper documentation that verifies this debt is mine as i have continued to express THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY DUE TO BEINT FRAUDELENT ; I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; I have been in contact with all 3 credit reporting bureaus and was able to successfully have this account deleted from XXXX due to it not being able to be verified as mine however XXXX and XXXX Continue to state that the account meets FCRA guidelines and the account has been verified. NATIONAL CREDIT SYSTEMS has never proved this debt belongs to me legally, as to why it was removed from XXXX, so please explain to me how it is still being verified as mine with other agencies if data furnishers are required to submit the same accurate information to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I don't know what their reasons are when they're reporting me as late even though I'm never late so please carefully review the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Loan transferred without permission. Higher interest rate on car loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am XXXX XXXX XXXX XXXX On XX/XX/XXXX Experian received documentation from me stating for my identity " XXXX XXXX XXXX XXXX '' to be furnished, and to remove any unauthorized names that I don't recognize as my legal name. An identity thief used my social security number on XX/XX/XXXX for an fraudulent account with " XXXX XXXX XXXX '', and an unauthorized name " XXXX XXXX '' was strangely furnished to my report by Experian without my written instructions. Experian furnished this without using completely accurate evidence ( a supporting address that links that " XXXX XXXX '' to the address on my report. On XX/XX/XXXX, I attempted to dispute this with Experian. After notifying them, they did not honor the dispute and admitted to not honoring my fcra rights for this dispute when I warned them about it on a recorded line. I am under emotional distress from the unauthorized " XXXX XXXX '' still lingering on my report due to Experian 's failure to take action on this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have been trying to get my Equifax credit report since yesterday and I can not get the full report, the website only shows me a summary of the information on the report. I am currently enrolled in college and they are requesting my equifax credit report for my scholarship and financial aid so its very urgent that I get my full report asap. I have tried the freeannualcreditreport site but when I got to the end the screen closed out and did not let me save my credit report and when I tried to get it again it said I couldnt because I already got one. So then I went straight to equifax website and tried to get credit report there. They advertise that you can get your free credit report but they do not allow you to get an actual report, you can just see a summary of the information and have to click each tab to see individual information. I tried tro send that to my financial aid department but they declined and said they can only accept the full report. I then paid for equifax complete which advertise being able to get free credit report daily but again its not the actual report. I called equifax customer service and had someone try to walk me through the process of downloading the full report but in the end he said they do have an actual credit report and that was the only way I could view the information. That is deceptive as their site states different and I honestly will pay for it, the report being free is not the issue there is literally no way for me to get my equifax credit report because even when I paid for it I could only view it summarized on the website. This is a time sensitive matter and I dont understand why I cant even pay for my credit report especially since I have recently been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I don't know what their reasons are when they're reporting me as late even though I'm never late so please look and review the documents that I've attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX an account under my maiden name ( XXXX XXXX ) and old residential address was opened, I was notified via email, XXXX Subsequently, on XX/XX/XXXX, another account was opened, under my maiden name ( XXXX XXXX ) and old residential address was opened, I was notified via email, XXXX Each incident was reported to Bank of America on the day the account was opened to report fraudulent activities. To the best of my knowledge, no money or transactions occurred. 

Fraud case id # s are as follows provided by Bank of America : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
ON XX/XX/XXXX I VISIT THE XXXX XXXX XXXX LOCATED IN XXXX XXXXXXXX XXXX 
A CREDIT APPICATION WAS SUBMITTED FOR A XXXXXXXX XXXX 
DURING THE PROCESS NO AMOUNT WAS DISCLOSED. 
SHORLTY AFTER THE DEALER ASKED IF I HAD A DEPOSIT ILL BE WILLING TO PUT DOWN WHICH I DEINED. 
THE APPLICATION WAS RECIVED BUT HAD A PENDING STATUS AND WAS TOLD ILL BE CALL ONCE A DISCUSSION HAD BEEN REACH. XXXX XXXX XXXX  I FINALLY SPOKE WITH DEALERSHIP WHERE THEY SAY SHEFFIELD FINANICAL WAS REQUESTING A CO-SIGNER. REASON STATED BECUASE OF LOAN AMOUNT. IVE EXPLAIN THAT NOT ONLY HAVE I PAID OFF EQUITMENT NOT FAR FROM THE AMOUNT IN THE PAST IT WAS PAID OFF EARLY. I ALSO INCLUDED THAT I HAD ANOTHER LOAN FOR THE WITH HIGH LIMITS PAID OFF EALRY. 
ON XX/XX/XXXX I CONTACTED Sheffield Financial ServicesXXXX WHERE I WAS BY XXXX XXXX. I ASKED FOR HIS COMPANY CONTACT INFORMATION. HE THEN BECAME VERY AGGESSIVE. I TOLD HIM HIM I WOULD CALL BACK. FOLLOW THAT CALL I CALLED BACK IN SPEAKING WITH XXXX XXXX. I REQUSTED THE COMPANYS INFO, I WAS THEN PLACE ON HOLD SHE STATED SHE DIDNT HAVE ANY INFORMATION. MOMENTS LATER XXXX XXXX GOT ON THE LINE STATING " IS THIS XXXX YES WE MADE OUR DECISION AND WE DONT WANT TO DO BUSINESS WITH YOU AND HUNG UP ''. HE NEVER INTRODUCED HIMSELF AND DIDNT LET ME GET A WORD IN .... I HAVE DOCUMENTS FROM THIS ACTION ALSO. 

( audio files are to long for upload please provide an alterative source ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Recently in XXXX I checked my credit score and noticed it was low. It stated I had a deliquency from Midland Credit. I received mail from them before but assumed it was spam mail. In late XXXX or early XXXX, once finding out about my credit score I gave Midland Credit a call and they stated that it is from a credit card from XXXXXXXX XXXX  which I never have because I have my trusted bank XXXX credit card. They stated that these charges dated back since XXXX. I believe this may have been an act of identity theft. I never applied for any cards. I tried to dispute the claim with Midland Credit but was denied. I called again recently in XXXX to continue disputing and referred me to this website. For years this credit score is ruining opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: Capio Partners, LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX co XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capi Partners, XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: MN

Complaint narrative:
I was sent an email stating that I was pre qualified for a business loan, I only needed {$1200.00}. I submitted tha pplication and it was approved, I do not recall seeing the APR, because if I had I would not have agreed. The APR is 664.68 %, I should have this loan paid off with the amount of payments I have made. I dont know if it makes a difference but I am also a member of the XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation