vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: FL

Complaint narrative:
I got an fraudlent charge Merchant : XXXX XXXX AmountXXXX Date : XX/XX/XXXX I used my card at the merchant mentioned and used my chime credit builder card for the amount of {$38.00}. I returned to the merchant the next day for a service check, however no service was performed, yet my card ( same card that I used to pay with the day before ) was charged a new amount of {$140.00}. 
I contacted the merchant with no response, then I proceeded to contact Chime and report the erroneous charge. 
Chime opened a dispute claim, only to deny it a few days later. 
I requested the dispute documentation and the explanation provided by them was derisory to say the least, ( file attached ). They claimed my card was used at the same merchant the day before ( precious piece of information, I was fully aware of, since I was the one who made such a charge ) and besides that I had used that card on same day at other merchants ( Please not at no point and time I attempted to charge back any other transactions I was responsible for during that particular day ). 
Their statement outlines the limited investigation method used by this institution : if I was in possession of my card therefore the claim is not valid. Shouldn't they consider that the fact I had the card in my posession, does not stop individuals or businesses that have my information on their file ( through different methods ) to place such charges? Their customer service is extremely unsatisfactory, they handle these charges investigations with an utmost incompetence

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, 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 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 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 2022-07-06 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: TX

Complaint narrative:
Hard credit inquiry for a mortgage, i am not looking for a mortgage, i did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX  Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, XXXX XXXX Account # XXXX, 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. 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 the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, DEPTEDXXXX  Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, XXXX XXXX  Account # XXXX, 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. 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 the competent jurisdiction, a debt collector may not communicate with a 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
Consumer complaint received 2022-07-06 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX is reporting negative to my credit report. I have disputed the information as there is proof that all accounts have been paid, in good standing, and closed by me. I closed these accounts because XXXX XXXX XXXX, multiple times messed up my account, have horrible customer service, and their accounts was always being hacked.

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 2022-07-06 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX is reporting negative to my credit report. I have disputed the information as there is proof that all accounts have been paid, in good standing, and closed by me. I closed these accounts because XXXX XXXX XXXX, multiple times messed up my account, have horrible customer service, and their accounts was always being hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX is reporting negative to my credit report. I have disputed the information as there is proof that all accounts have been paid, in good standing, and closed by me. I closed these accounts because XXXX XXXX XXXX, multiple times messed up my account, have horrible customer service, and their accounts was always being hacked.

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 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
On XX/XX/2022, I opened an account with Navy Federal as my father was XXXX XXXX. Upon opening the account, I sent in the proper documentation to add my husband as a joint owner to the account as we share a bank account. Over the next few days, I called them as my husband had yet to be added to the account. 
Upon calling member services, and them speaking with the bankruptcy department, they informed that my account was closing due to bankruptcy being on file. 
Since then, I emailed the CEO of navy federal and informed her of the service I received, and my account being closed. The CEO, XXXX XXXX XXXX was disappointed with the services I had just received from member services, apologized and re-opened my account as the credit union is a second chance bank as well and that is not their values to close accounts like they did. 
However, the CEO was requesting that my account be opened back up. Since then, my account is re-opened, however, member services are still refusing to add my spouse to my checking and savings account. We share a joint bank account and always have. This is not the service I would expect to receive from a military bank in which my father served our country.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are several negative remarks including my private nonpublic information on my report that I did not give express written consent to be furnished. These remarks are inequitable to my financial reputation and is negatively affecting my right to conduct commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: Chime Financial Inc
State: FL

Complaint narrative:
This was an issue involving 3 parties : A fraudlent app XXXX who is the platform where such app is offered Chime the financial institutution unable to protect its customers from this type of activity Merchant : XXXX XXXX Total disputed : {$95.00} Through XXXX I had multiple small recurring charges from an app called " XXXXXXXX XXXX XXXX I tried contacting the app developer, XXXX and finally Chime. 
I have reported the app after XXXX didnt solve my issue, and my last resort was the institution that allowed such charges to be place : Chime. 
However it didnt surprise me when my claim was denied, since they put extremely minimal effort investigating their customers claims. 
I had 3 major issues with Chime and none of them with a satisfactory outcome. 
This company must be held accountable for their customers transactions ( specially the unathorized ones ) I regret giving them any business as they are not worthy of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: HI

Complaint narrative:
My student loans have been forgiven after over 4 years of endless run around and delays, by XXXX, then FedLoan Servicing, and now again they are going to XXXX... 

This is a violation of congressionally mandated timelines for forgiveness, and the fact that I simply hear that " it is with the Dept. of Education '' for months and months is unacceptable. 

I'm a XX/XX/XXXX XXXX XXXX XXXX, and this is an insult, embarrassment to DOE. I followed the guidelines, bent over backwards, repeatedly re-submitting lost and incorrectly interpreted/routed documents, and this is the shoddy service I get. Rediculous! Even their downloadable documents interface is now a mess, and they have 5 hour waiting on the phone lines- seriously, 5 hours, and then they disconnect you with no follow up. So, I've gone though all of that for 4 years, and finally I've been forgiven for OVER 6 months, approved ( see attached ) and all I get is 'its with DOE for review ' - - I'm going to the Inspector General next unless something is done. 

The latest status is that this has been sitting with the Dept of Ed. for 6 months plus, for nothing. 

Process the forgiveness today, and refund my overpayment today!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, 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 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 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 2022-07-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights Account Name XXXX XXXX  XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, 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 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 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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have asked Equifax, XXXX, and XXXX that are reporting bankruptcies on my credit report to disclose method of verification on the alleged bankruptcies they are reporting. All have replied to me claiming that XXXX XXXX verified the information. 
Appalled by that information, I went directly to XXXX XXXX Courts and in response to my inquiry they all claim to have NEVER verified any of this information with any of the three credit bureaus listed above. This would mean that as of XX/XX/2022, these alleged bankruptcies are considered UNVERIFED. 
I am aware, the FCRC states the following : A CRA must remove inaccurate or unverified information from its files, usually within 30 days after disputing. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/2022 Payment amount XXXX I called 2 times to find out what happened to the payment no straight answers and both calls they hung on me when I repeated ask why the payment was put on hold this has never happened to us before. 
On XX/XX/2022 the XXXX payment was taken out of the account and no payment was credited after XXXX XXXX XXXX to the account. 
We are concerned about the unlawful practice that capital one has taken out money from the checking account on XXXX but no credit has issued yet there has been no credit to the credit card as of the time of this complaint. 
We received no notification that the payment was put on hold my was for what we never had with making our payments. We had to pay rent thank goodness we had extra other places to pay our rent! 
As of this complaint we have not received a clear answer to our question but a bunch of scripted nonsense that makes absolutely no legal practice and abuse of our account and how and why we are being treated unfairly. 
And for the stress that capital has caused us .we want an additional credit of XXXX for the abuse, stress and unfair treatment that capital has put us through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are several negative remarks including my private nonpublic information on my report that I did not give express written consent to be furnished. These remarks are inequitable to my financial reputation and is negatively affecting my right to conduct commerce.

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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are several negative remarks including my private nonpublic information on my report that I did not give express written consent to be furnished. These remarks are inequitable to my financial reputation and is negatively affecting my right to conduct commerce.

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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have asked XXXX, XXXX, and Transunion that are reporting bankruptcies on my credit report to disclose method of verification on the alleged bankruptcies they are reporting. All have replied to me claiming that XXXX XXXX verified the information. 
Appalled by that information, I went directly to XXXX XXXX/Bankruptcy Courts and in response to my inquiry they all claim to have NEVER verified any of this information with any of the XXXX credit bureaus listed above. This would mean that as of XX/XX/2022, these alleged bankruptcies are considered U

NVERIFED. I am aware, the FCRC states the following : A CRA must remove inaccurate or unverified information from its files, usually within 30 days after disputing. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified.

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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have asked XXXX, Experian, and XXXX that are reporting bankruptcies on my credit report to disclose method of verification on the alleged bankruptcies they are reporting. All have replied to me claiming that XXXX XXXX verified the information. 
Appalled by that information, I went directly to XXXX XXXX/Bankruptcy Courts and in response to my inquiry they all claim to have NEVER verified any of this information with any of the three credit bureaus listed above. This would mean that as of XX/XX/2022, these alleged bankruptcies are considered UNVERIFED.

I am aware, the FCRC states the following : A CRA must remove inaccurate or unverified information from its files, usually within 30 days after disputing. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified.

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