vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I reported a dispute on Chime that my money was stolen by a scammer on XX/XX/30. And they didn't do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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: NC

Complaint narrative:
I noticed some inquiries on my report that were not authorized. I have tried to fix this with the companies.

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 2023-09-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I XXXX XXXX have noticed some unauthorized inquiries appearing on my credit report I have listed the inquiries below and uploaded supporting documents. 

1.XXXX XXXX XXXX XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXXXXXX  4. XXXX XXXXXXXX XXXX XXXXXXXX  5. XXXX XXXX XX/XX/XXXXXXXX  6. XXXX XXXX XX/XX/XXXXXXXX  7. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was using my citi double cash card to help me get through covid as I was unable to work. So my percent usage to balance got very high. 

Getting things going again and able to make a large payment of {$18000.00} on XX/XX/XXXX  getting my use percentage well below 30 %. 

4 days later citi bank lowered my credit limit by almost {$20000.00} to {$2000.00} effectively keeping my credit at the place it was. 

I have never missed a payment. I made this payment to help my credit bump up. Since I planned to buy a car In XXXX this would help me secure a better rate. 

Unfortunately when citi bank exponentially lowered my limit. I wasn't able to get that increase in credit score. I'm stuck paying 7.9 % interest now and can't refinance because of the state of current rates.

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 2023-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I have it removed off my XXXX report I want it off the rest report, they have harassed me with phone calls constantly every day and night I even tried to settle 3 times one day they refused it every time,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
I attempted to transfer money out of my account because they didnt have phone numbers and response took forever. There was no way to escalate an issue or even call them. When I went to transfer money out they froze my account for fraud. But yet havent contacted me. 

I tried to transfer the money out on XX/XX/XXXX. In the amount XXXX twice. 

The bank is a subsidiary of First National Bank of XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was on unemployment and Bank of America apparently sent my card to the wrong address. I never received the card so I figured it got lost in the mail and it wasnt a big deal that I would have the money when my savings ran out. I continuing to do my weekly certifications as usual but when I called to get my card they had said that it was sent to the wrong adresses, activated, and was drained of most of the funds in my account. I have no idea what adress they sent it to. The address it was sent to was never a address of mine nor did I ever tell the bank I lived there so it makes no sense why Bank of America isnt giving me the money that was stolen from me which I seriously need at this point. Every time I call the bank they tell me to call back later and their system is under maintenance. I have been fighting this for years

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 2023-09-03 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have accounts on my report that I have disputed because they are being reported as closed AND written off. How can you report any account as written off yet still report as money owed. Also all they do with each account is update the date and nothing else. These accounts are not being looked into, just updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Disputed the information several times. Each time the company electronically verified the debt. I requested in writing that they provide me with validation of the debt in regards to a contract etc. They never responded and no verification has ever been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I disputed is a charge by merchant XXXX XXXX  that appeared on my Citibank credit card. I was given a partial refund in the amount of {$1200.00} which is lower the disputed transaction amount of {$3.00}, XXXX charged on XX/XX/. 

This disputed charge was for a one-person reservation for a vacation that I made initially before modifying it. That reservation was replaced two days later on XX/XX/XXXX   with a two person reservation ( the previous person and a significant other ). The itinerary, hotel booking, duration of stay, etc., remained the same. A {$4800.00} charge was made for the new booking and it appears on the credit card statement. I gladly paid for the later charge but I shouldn't have to pay another amount for the same service because it appears on another reservation in the merchant 's system. 

Only a portion of the funds were refunded and what was basically done was they charged me two times for the same service. I have asked that the balance of {$2200.00} that they retained be refunded but they have failed to. Instead they recently billed me for it indicating that to be the resolution to my dispute. This eerily borders on fraud. 

Thank you for your consideration of this matter. 
Respectfully, 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 2023-09-03 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: PA

Complaint narrative:
I XXXX XXXX have noticed some fraudulent accounts and unauthorized inquires on my credit report. 

Accounts 1. XXXX XXXX {$150.00} 2. XXXX XXXX {$520.00} Inquiries 1. XXXX XXXXXXXX XXXX  2. XXXX XXXX 3. XXXX XXXX XXXX 4 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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: AL

Complaint narrative:
Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RESIDENT VERIFY In accordance with the Fair Credit Reporting Act. The lists of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX : 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.

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. Any other adverse item of information other than records of convictions of crime 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 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 2023-09-03 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hard inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RESIDENT VERIFY In accordance with the Fair Credit Reporting Act. The lists of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX : 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.

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. Any other adverse item of information other than records of convictions of crime 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 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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
15 U.S.C 1681 section 602 A. States i have the right to Privacy.

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

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not consumer in connection with the collection of any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Credit, Inc.
State: TX

Complaint narrative:
I began the dispute process on a collection item that appeared on my credit without any letters or information about the debt. I decided to dispute the debt on XXXX and received a letter on XX/XX/XXXX  from the debt collection agency XXXX XXXX XXXX XXXX that stated, " We have received your request for debt validation. We have not yet received the information you have requested. As such, we will suspend our collection efforts until we are able to validate the debt for you. If applicable, we will not report this debt to credit reporting agencies until and unless we are able to validate the debt for you. '' They NEVER stopped reporting the debt to the credit agencies and have not followed up with me to validate the debt. I still have no clue what this is for or about and it is not changed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This agency provided obscured documents and seems to have reported inaccurate information to the credit agency about my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I can't tell you how many times I've called chime it's just about every other day I looked at my phone today I got 147 phone calls to chime in two and a half months I mean I shouldn't have to call a company that much to help me and they don't ever almost almost never help me something's got to be done about this company and the management and protocols and their IT system everything is messed up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Company continuously calls me from a variety of different numbers daily attempting to record my voice as they illegally brought my debt from XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 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: MD

Complaint narrative:
I sent a letter to all three credit reporting agencies requesting they investigate XXXX XXXX  card # XXXX claim that I am responsible for this debt. I received a report from each agency saying the disputed debt has been verified as accurate and updated. 
They simply identified the account name and number, balance date opened and date closed. 
They did not investigate if the debt was my responsibility. The debt was my wife 's who is deceased. I was an authorized user, not a joint owner. Therefore I'm not responsible for the debt, and past due amount. The debt should not be part of my credit report. My wife simply called and asked that I be issued a card. That I was authorized to use her credit card. I never signed anything that made me a joint owner of the 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 2023-09-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has Violated my rights. 

15 U.S.C 1681 section 602 A. States i have the rights to privacy.

15 U.S.C 1681 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 2023-09-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has Violated my rights. 

15 U.S.C 1681 section 602 A. States i have the rights to privacy.

15 U.S.C 1681 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 explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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. Has Violated my rights. 

XXXX - Account info/ Account number # XXXX XXXX XXXX  -Account info /Account Number # XXXX  XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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 2023-09-03 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: 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. Has Violated my rights. 

XXXX XXXX XXXX XXXX XXXX- Account Number # XXXX  XXXX XXXX : Account info- Account number # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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 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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is REQUIRED to be REMOVED.

** Original complaint XXXX was submitted on 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 2023-09-03 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: AR

Complaint narrative:
15 U.S.C 1681 section 602 A. States i have the right to Privacy.

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

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not consumer in connection with the collection of any debt.

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