vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Old creditor remarks late payment in 2020 then transfered to new creditor after being dissolved. New creditor payment history 100 % on time. Dispute with credit bureau unresolved as new creditor XXXX advised me to file a complaint/dispute because they can not remove remark from old dissolved servicer.

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 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Old creditor remarks late payment in 2020 then transfered to new creditor after being dissolved. New creditor payment history 100 % on time. Dispute with credit bureau unresolved as new creditor XXXX advised me to file a complaint/dispute because they can not remove remark from old dissolved servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: U.S. BANCORP
State: NC

Complaint narrative:
On XX/XX/2023 and imposter attempted to open credit card accounts using my name and Social Security number from two different banks. One was XXXX XXXXXXXX XXXX XXXX in XXXX XXXX Iowa and the other was Elan financial services/XXXX in XXXX North Dakota . I did speak to sale in fraud department at XXXX XXXX and he saw the application but said it was denied. Elan financial services told me they did not see any application attempt on my credit, yet XXXX XXXX shows a hard pull. Neither of these attempts to get a credit card were done by me, so I am disputing both of them and request to have any points docked from my credit score reinstalled please.

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 2023-03-25 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: MO

Complaint narrative:
my credit report is showing an open account as closed. I would like this fixed and updated immediately. The account is : XXXX XXXX XXXX XXXXXXXX Credit limit- {$650.00} Date openedXXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2023 and imposter attempted to open credit card accounts using my name and Social Security number from two different banks. One was Wells Fargo card services in XXXX XXXX Iowa and the other was XXXXXXXX XXXX XXXX in XXXX North Dakota . I did speak to sale in fraud department at Wells Fargo and he saw the application but said it was denied. XXXX XXXX XXXX told me they did not see any application attempt on my credit, yet XXXX XXXX shows a hard pull. Neither of these attempts to get a credit card were done by me, so I am disputing both of them and request to have any points docked from my credit score reinstalled please.

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 2023-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Chime bank denied my claim. I did not get the email yet why they denied my claim. But I am a victim. The man who stole my money sent me a code and told me that it was to confirm my identity and that code was how much he took out my bank. He told me he wasnt going to keep the money he was going to send it right back. The real XXXX said XXXX would never take money to varify your identity. These scammers had remote access to my phone and bank account through the app i download that he told me was XXXX secure link called XXXX. I just want my money back. He stated his name XXXX XXXX, and I have audio of him acknowledging that I didnt allow him to take any money from me. Also I have a text of him the next day saying he would refund the stolen money, but he never did. I had no knowledge of this app XXXX or that it would be able to see my bank info. I do not know why XXXX would have a scam number for XXXX instead of the real number. By calling that line, now Im out XXXX I have a police report of what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. i feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. i feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: MD

Complaint narrative:
I would like to state that I am not responsible for this account, and I do not recognize it. I have never opened or used this account, nor have I ever authorized anyone else to use my name or personal information to open an account. 

Therefore, I request that you investigate this matter and remove this item from my XXXX credit report as soon as possible. I also request that you provide me with a written notification of the results of your investigation, including any corrections made to my credit report. 

I understand that the Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any inaccurate or incomplete information on my credit report, and I am exercising that right by writing this letter. I trust that you will handle this matter in a prompt and professional manner, and I thank you in advance for your attention to this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: FL

Complaint narrative:
Hello. 
The account on my name ( XXXX ) is not properly validated in compliance with FDCPA statutes. Portfolio Recovery Associates failed to validate the debt info and dont have right to collect. They haven't done proper research or helped resolve the account issue. Please verify the debt and send new validation and make sure the names and addresses match with my person. I demand that correct information be sent and that it truly validate the debt.I will continue to dispute the account until they resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: TX

Complaint narrative:
On XX/XX/XXXX I had charge on my Chime credit builder card from XXXX XXXX of {$300.00} I called because I dont have acct with them it was closed last year. So I filed a dispute with chime get my money back but at that time they said 60 days! Im like umm no thats insane Ill do it myself get this fixed. So contacted XXXX They said was glitch in system my card was still showing active so they refunded the funds on XX/XX/XXXX back to my card gave me transaction ID a ledger number and even mailed a letter to state funds were sent back to my card. I called Chime and let them know a week later they said they received nothing and I was like that cant be the case because I have all this documentation XXXX said they did everything on their part. Chime says we dont have anything we are showing nothing we need proof and I said OK well Im sending you all the proof. So they said email all prof ok Heres a copy of the letter here is a transaction ID cant you look it up youre a bank Well and then I find out they cant look it up because apparently theyre not an actual bank which Im learning this out now. So weeks go by and here I am still asking where my {$300.00} and they tell me theyre still investigating and I keep arguing the fact what are you investigating the funds were sent back in XXXX here we are XX/XX/XXXX and youre still claiming your investigating you have the proof you have everything so theyre refusing to give me my money back theyre telling me they have until XX/XX/XXXX and they have 30 days from the visa card to receive funds Ive explain to them its been 30 days you keep giving me XXXX reads from script and then they hang up on me. So then I said OK well let me cancel the dispute because theres nothing to dispute you have the funds and they dont even answer the question they go in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: LA

Complaint narrative:
I sent a letter on XX/XX/2022 to XXXX.however the credit bureau claims they completed the investigation and everything was accurate. 
According to the law 15 U.S. 1681a definition rules construction.the term investigate consumer report.means a consumer report or portion there for in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews.with neighbors and Friends or associates of the consumer report on or with others with whom he is acquainted or who may hav knowledge concerning any such items of information.how ever such information shall not include specific factual information on a consumer credit report obtained directly from a creditor or directly from a creditor of the consumer reporting agency.I would lik to kno who did they talk to.and how did they complete the investigation please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: MA

Complaint narrative:
I was a victim of Equifax data breachand I was not aware of this information until XX/XX/XXXX of XXXX. However, I subsequently have been exposed and up for damages, untold, and unforeseen, consequences, and harm. I have disputed many, many claims with Equifax that have been completely ignored or overlooked until I made my claim for loss due to this data breach. I have had many aliases unknown addresses black web threats and actual fraudulent transactions on my report. That have since been removed as well as all of my disputes from my records, besides 3. Equifax continues to report negative information on my credit report. I have the highest interest rates on my personal loan, XXXX  % and the hardest time using my credit amongst denial for apartments and jobsbanks insurance denials and countless other disadvantages due to my report having negative incorrect information and accusations of my credibility and credit worthiness.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: MT

Complaint narrative:
In XXXX I called Flagstar to confirm an overdue balance to a XXXX-related hardship so that I could pay the amount oin full and come current on my mortgage. I was given an amount and authorized 2 payments by phone for the exact amount expressed to me by the Flagstar representative to come current. The payment dates were to be just days before XXXX first, XXXX. I have yet to recieve a payment stub for the coming due payment in XXXX and when checking my account online I noticed Flagstar has marked my account as a late payment, saying I owe XXXX 's payment still. 

The issue is On XX/XX/XXXX I was given an amount owed and paid that amount. If I owed more, the agent had given me an apparently lower amount that was due. Flagstar has continuosly violated the Truth in Lending Act through my XXXX hardship, not informing me of rights, failing to communicate steps in the process, making false legal claims, adding and removing me from harship status without my consent, knowledge, or notifcation, informing me I was barred from certain loss-mitigation tools due to my veteran loan status, and now I am being given incorrect amounts to make payments on and being assessed late fees due to their errors. 

In my last complaint concerning these matters, Flagstar failed to address any points of the complaint, insetad choosing to re-iterate half of the story as if that somehow explains why the can not correctly service a loan, discriminate against a XXXX veteran, give false legal advice, and violate federal law. Now they can not even give me a correct amount that I owe on time.

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 2023-03-25 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: DISCOVER BANK
State: CA

Complaint narrative:
Use the discover card to purchase an item ( {$110.00} ) from a 3rd party seller on XXXX, back in XX/XX/2022. Item had defect and I returned the item in XX/XX/2022. Seller didnt issue refund and claimed they did not receive the return. I submitted the dispute with Discover in XXXX and now in XXXX they denied the dispute. Called Discover trying to resolve the issue, talked to a representative who could only recite a description like a robot and her supervisor refused to answer my call. Been with Discover for XXXX years and made one dispute, they chose to not believe the loyal customer and instead returned with the lowest quality customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25 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: LEXISNEXIS
State: GA

Complaint narrative:
Lexis Nexis is reporting public information without providing verification resulting in violating my privacy rights. The courts do not report bankruptcies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: FL

Complaint narrative:
Dear Experian Information Solutions , Inc., there has been a Court order issued to you by the United States District Judge of the Southern District of Florida to forward a copy of this order to you due to the fact, you are a Defendant ( s ) in this case. Upon receipt of notice will serve as I, XXXX XXXX ( Plaintiff ) have complied with the instructions of the Order which is to forward a copy to ( Defendant ( XXXX ) ). In addition, you must comply with all the instructions of the order. See attachments. Best regards. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.

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 2023-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: AL

Complaint narrative:
Chime dispute team cancelled two of my transactions from being dinsputed a {$50.00} and {$25.00} from XXXX XXXX XXXX without acknowledging me I sent several emails and have called them every day since XX/XX/XXXX my account has over 15. Escalation ticket numbers and the investigation team has not responded to none

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I Sent my Dispute off on XXXX XXXX XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. .According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate ACCOUNTS LISTED BELOW XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX. # XXXX ..XXXX  # XXXX XXXX  # XXXX 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