vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
I was 40 miles away from my house going to a final inspection of my new house when I received a notification from Chime that {$500.00} was removed from my account via atm. I immediately reported the fraud and had them cut off my debit card. I filed a fraud report since I did not take that money from my account. Later that week after I reported it as fraud I was told by Chime that it was not a fraudulent debit and that it had been done with a pin and there was no failed attempts. But after checking what ATM machine it was withdrawn from and several phone calls to XXXX and the XXXX XXXX XXXX Police department we determined that the address given by Chime in the alert was a bogus address and does not exist. XXXX also confirmed that they do not have an ATM in that area. We resubmitted what we had found to Chime and they still refuse to return my money. They never even asked me any questions or did any investigation as far as we know. I have attached their idea of a questionnaire to " investigate '' my claim not sure how they used it but it is not really much. They never called me or spoke to me on the phone regarding my claim. The attached from is their idea of information used in them determining if my claim was valid. There is a bunch of emails from an automated system if you want those.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: IL

Complaint narrative:
Well I see where Ive had points deducted from my score for no reason, and Ive had points taken off for the same thing twice in a row also points taken off my score for paying off a loan that should be a good thing. XXXX points taken off for no reason at all, but I know the reason because there was an account that wasnt mine and I disputed it, long story short I paid them to stop reporting it, but the credit bureau took it off and removed it 3 times and so somehow they just decided to put XXXX points and then removed it again and again Im confused as to why these people who cant speak English have control over my life and whether I can get a house loan, after I downloaded the XXXX  app I realized that they are the best credit bureau because they let you and help you take control of your credit and life and allow you to make a job out of it and be responsible with money and credit, XXXX  is getting better since my complaints but still them and transunion are the worst you cant even access transunion website hardly they make it unfair but really they have fixed some points from the credit card utilization which is still not right because its my money and not loaner money so they shouldnt get a say in how much I use as long as its paid on timely fashion some things dont make sense and I will continue to report and expose anything that isnt right oh and one more thing, how come they all dont talk to each other because XXXX  removed the inquiries but now I have to fight the other bureaus to get them removed its like they wont just check the data base that XXXX  already has and see that its been investigated and these companies wouldnt have to work so hard and would have all the correct information if they would just communicate with each other and I wouldnt even be complaining about it they could just follow suit with XXXX  and removed them but what do I know about wasted time and making things better. Apparently nothing

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 2021-07-21 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND I HAVE A CURRENT LOAN WITH SANTANDER AND THEY HAVE WRONGFULLY REPORTED TO ALL THREE CREDIT BUREAUS THAT I HAVE BEEN LATE 5 TIMES AND THAT IS WRONG I HAVE ALL MY BANK STATEMENTS TO SHOW OTHERWISE. ALSO THE LAST ONE POSTED ON XXXX OF THIS YEAR AND HOW COULD I BE THIRTY DAYS LATE WHEN I MADE PAYMENT ON THE XXXX OF XXXX AND BEFORE XX/XX/XXXX THEY HAD ALREADY POSTED THAT I WAS LATE IN THE MONTH OF XXXX BEFORE XXXX WAS EVEN OVER. MY CREDIT SCORE OBVIOUSLY TOOK ANOTHER HIT FOR A CURRENT LATE PAYMENT AND ALSO SANTANDER WAS SUED AND THE BORROWERS PREVAILED. I WANT MY CREDIT REPORT TO REFLECT MY PAYMENT HISTORY AS PAID AS AGREED WITH NO LATE PAYMENTS BECAUSE I WAS NEVER LATE. I THANK YOU FOR GIVING THIS MATTER YOUR IMMEDIATE ATTENTION AS WELL AS FOLLOWING UP SO THAT THEY CAN MAKE THE NECESSARY CORRECTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I AM A VICTIM OF IDENITY THEDT MY FEDERAL TRADE COMMISSIION IDENITY THEFT REPORT NO # XXXX I DID NOT APPLY FOR A KOHLS STORE CREDIT CARD ON XX/XX/2020 THIS IS FRAUDULENT ACTIVITY PART OF MY IDENITY THEFT. 

I TRIED TO GET THE FRAUD DEPT NUMBER I WAS DISCONNECTED TWICE. 

KHOILS/CAPONE IS FRAUDULENT IDENTITY THEFT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21 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: MS

Complaint narrative:
XXXX XXXX XXXX are reporting my account closed as of Apr XXXX and late payments for the entire tire i had the car which is inaccurate.and its showing charged off, so why i am still making payments on time over the last 18 months. i have tried to correct the issue with no results, they are causing me to become depressed and damaged my credit from getting anything.

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 2021-07-21 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: MS

Complaint narrative:
XXXX XXXX XXXX are reporting my account closed as of Apr XXXX and late payments for the entire tire i had the car which is inaccurate.and its showing charged off, so why i am still making payments on time over the last 18 months. i have tried to correct the issue with no results, they are causing me to become depressed and damaged my credit from getting anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: MS

Complaint narrative:
XXXX XXXX XXXX are reporting my account closed as of Apr XXXX and late payments for the entire tire i had the car which is inaccurate.and its showing charged off, so why i am still making payments on time over the last 18 months. i have tried to correct the issue with no results, they are causing me to become depressed and damaged my credit from getting anything.

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 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2021, at a point in time between XXXX XXXX. and XXXXXXXX XXXX, I initiated an ATM withdrawal of {$750.00} from the TD Bank branch at XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, NY XXXX. However, I never received this money ; if the money was disbursed, then I must have absent-mindedly left the bank without taking it. I have filed three successive claims with TD Bank requesting that its investigators review camera footage relevant to to this ATM transaction and then release that footage to me ; and/or to XXXX XXXX, XXXX. and manager of the Bank 's XXXX XXXX XXXX, the branch most convenient to me because located nearest my residence ; and/or to the XXXX  XXXX Police Department ( XXXX  ). My third and last claim included the attached scan of XXXX Verification of Crime Report No. XXXX. 

The Bank summarily denied all three of my claims. The denial letters issued by the Bank show that the Bank 's " investigation '' of my claims was limited to determining whether my money had been disbursed and taken ( the Bank asserts that it was ) ; however, the Bank 's investigators made no attempt to review the relevant camera footage to see whether it was I who took the money. A review of this camera footage would show conclusively that, if my money was indeed disbursed and taken, it was taken by a person who entered the Bank immediately after I left ; such a review could lead to the identification and apprehension of the thief. The Bank refuses to review and release its camera footage, and it refuses even to review that footage, absent the Bank 's receipt of a subpoena from the XXXX compelling it to do so. 

I have been unable to persuade the XXXX 's XXXX XXXX, which is the Precinct that has jurisdiction of the location where the theft took place, to issue a subpoena. The Precinct 's Detective Squad is the only section in this Precinct that has the power to issue subpoenas but the Squad refuses to do so because the crime is one of petit larceny ; according to Detective XXXX, one of the Squad 's detectives, the Squad 's policy is to investigate only felonies. In accordance with this policy, the Squad handed to one of the Precinct 's Neighborhood Coordination Officers ( NCOs ), namely Officer XXXX, Shield Number XXXX, the responsibility to investigate the complaint that I filed with the Precinct on XX/XX/2021 ; as far as I can tell from my conversations with Officer XXXX, no investigation of any kind has been conducted and the case has been closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-21 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: IL

Complaint narrative:
Well I see where Ive had points deducted from my score for no reason, and Ive had points taken off for the same thing twice in a row also points taken off my score for paying off a loan that should be a good thing. 68 points taken off for no reason at all, but I know the reason because there was an account that wasnt mine and I disputed it, long story short I paid them to stop reporting it, but the credit bureau took it off and removed it 3 times and so somehow they just decided to put 68 points and then removed it again and again Im confused as to why these people who cant speak English have control over my life and whether I can get a house loan, after I downloaded the XXXX  app I realized that they are the best credit bureau because they let you and help you take control of your credit and life and allow you to make a job out of it and be responsible with money and credit, equifax is getting better since my complaints but still them and XXXX  are the worst you cant even access XXXX  website hardly they make it unfair but really they have fixed some points from the credit card utilization which is still not right because its my money and not loaner money so they shouldnt get a say in how much I use as long as its paid on timely fashion some things dont make sense and I will continue to report and expose anything that isnt right oh and one more thing, how come they all dont talk to each other because equifax removed the inquiries but now I have to fight the other bureaus to get them removed its like they wont just check the data base that equifax already has and see that its been investigated and these companies wouldnt have to work so hard and would have all the correct information if they would just communicate with each other and I wouldnt even be complaining about it they could just follow suit with equifax and removed them but what do I know about wasted time and making things better. Apparently nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft 01 CAPITAL ONE N A Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
Original Account has been paid.

Account now shows a new amount not paid and a much larger amount. Multiple documents to support my claims.

Please have collections account remove in accurate info from all 3 credit bureaus within 10days.

Falsified documentation by collection agency to be removed immediately. Proper state guidelines not met here. Delete off all 3 bureaus

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 2021-07-21 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: LEXISNEXIS
State: LA

Complaint narrative:
I have contacted lexis nexis several times about the Bankruptcy that appears on my credit report which some company use my information to filed bankruptcy in my name that can't be vertified by the court or creditors. Also XXXX, XXXX was order by the court to dispute or deleted these items off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I needed to temporarily lift a credit freeze, and TransUnion is being uncooperative throughout the process. Ultimately, my credit has been unfrozen but TransUnion is not allowing me to refreeze my credit. 

I first placed my freeze through TransUnion via their website. I do not remember the exact date but it was approximately 5-6 years ago. Ever since that date, TransUnion 's website has indicated that my " freeze status is unknown '' and does not allow me to manage my freeze online. The website has not once worked correctly. 

Therefore, when I need to temporarily lift the freeze, I use TransUnion 's automated phone system. However, yesterday ( XX/XX/2021 XXXX when I attempted to temporarily lift the freeze, I was told " an error occurred '' by the automated phone system. I spoke with a human who told me that the freeze was actually permanently removed, although I did not ask for that to happen. To add insult to injury, that human representative tried to sell me a paid credit monitoring product even though their system glitched and caused me these issues. 

Today ( XX/XX/2021 ) I am ready to re-freeze my credit. However, I have tried through three channels and TransUnion will not place the freeze. 
( 1 ) Automated phone system indicates " an error occurred '' and directs me to talk to a representative, but I have waited on hold for a long time and nobody has answered my call. 
( 2 ) I tried logging in to my existing TransUnion website account and was told again that " freeze status is unknown '' so I can not place a freeze here. 
( 3 ) I tried completing the freeze process from scratch at transunion.com, but am told they can not place the freeze.

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 2021-07-21 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: IA

Complaint narrative:
I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder XXXX XXXX wants to do away with the credit bureaus, they are useless.

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 2021-07-21 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I contacted Early warning systems almost 10 days ago and requested a copy of my consumer report. I requested this report through their portal. I have yet to receive a response from them. I have a right to this information. If they can supply this information to a bank instantly then they can e-mail, mail, etc me by now. Its clear from the attachment that I requested this report on the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: FL

Complaint narrative:
Dear Consumer Protection Bureau, I hope you are doing great!

I found accounts that I do not recognize. It seems for me like a SPAM items. Its a fraud and I do not want to have them in my profile. Can you please investigate them? Its identity theft for sure and let me know who used my personal information? and after you check them please remove.

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 2021-07-21 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: FL

Complaint narrative:
Dear Consumer Protection Bureau, I hope you are doing great!

I found accounts that I do not recognize. It seems for me like a SPAM items. Its a fraud and I do not want to have them in my profile. Can you please investigate them? Its identity theft for sure and let me know who used my personal information? and after you check them please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/2021 at XXXX I called TransUnion to tell them I been a victim of the inquiry issue, they gave me a hard time and would not help me with the negative inquiries reporting on my credit report. 

the inquiries were : XXXX date : XX/XX/XXXX XXXX XXXX date : XX/XX/20XXXX XXXX  XXXX date : XX/XX/2XXXX XXXX XXXX date : XX/XX/2021 XXXX XXXX date : XX/XX/2021 XXXX XXXX date : XX/XX/2021 XXXX XXXX date : XX/XX/202XXXX XXXX XXXX  date : XX/XX/2021 XXXX date : XX/XX/202XXXX XXXX XXXX XXXX XXXX date : XX/XX/2021 XXXX XXXX  date : XX/XX/2021 XXXX date : XX/XX/20XXXX XXXX date:XXXX XXXX XXXX date : XX/XX/XXXX XXXX date : XX/XX/2021 XXXX XXXX date XXXX XX/XX/2XXXX XXXX XXXX date : XXXX XXXX XXXX date : XX/XX/2021 XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/2021 XXXX XXXX date XXXX XX/XX/XXXX XXXX date : XX/XX/2021 XXXX XXXX date XXXX XX/XX/2021 Thanks for your time and help.

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