vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 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: WA

Complaint narrative:
I placed an order on XXXX XXXX  to have lunch delivered to my work. I ordered it well in advance of when my lunch was scheduled. My food got delivered XXXX hours later and was unacceptable in that it was already degraded quality and not safe to eat since it's been in someone's car for XXXX hours with no heat lamp or anything. XXXX didn't deliver on their side of the deal that's supposed to have my food get to me still as fresh as it can be in the estimated timeframe. I contacted XXXX to get a refund, and they said since they have refunded me in the past when they messed up before, they wouldn't be able to anymore. So I guess a company can mess up 4 times and take care of it but then the XXXX time they mess up it's now on my dime, that's what XXXX told me. I tried to have my bank ( Chime ) dispute the charge but they said nothing was found wrong even though they never asked me anything. Chime took more than 30 days and never contacted me, just sent a bunch of automated emails to me on the matter. After the wait finally someone emailed me just to say they won't be reversing the charge. I appealed with some documentation and they still said no. I thought my bank was supposed to have my back but it seems Chime is ok with XXXX stealing from their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: NC

Complaint narrative:
this is reguarding a open complaint # XXXX if clam that be thet they are having trouble to conform my identity. its been wellover XXXX scence my first dispute correct my information.

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 2022-11-02 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: NY

Complaint narrative:
As a result of the XXXX Equifax data breach I am a victim of identity theft. I have included the identity theft report for documentation. The information, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have spent a great deal of time writing Equifax from XXXX - XXXX in relation to the data breach. Equifax has reported multiple inaccuracies in my credit file with regard to this alleged bankruptcy tradeline. I have located the inaccuracies on my credit report and have circled them in red ink to highlight the incorrect information. I am entitled to an accurate credit report under the Fair Credit Reporting Act. I have contacted consumer protection financial bureau, the FTC, the New York State Attorney Generals office, Equifax, attorneys for consumer reporting, credit repair servicing companies, and Ive paid a small fortune fighting against this data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: CT

Complaint narrative:
Transunion is reporting an inaccurate account for XXXX XXXX claiming I owe a debt on an account I have no knowledge of. I believe this type of inaccurate reporting is fraudulent, abusive, false, misleading and unfair in their reporting practice. They are misrepresenting themselves by placing unverifiable and non-consensual information. This new account was opened without permission on my credit file on XX/XX/22 illegally. This account is showing a balance of {$250000.00} and showing as being late.

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive tried contacting Experian since my Experian account was canceled on XXXX XX/XX/2022 and finally got to speak with someone today. Two reps told my that my credit card didnt go through in which Im currently using so thats incorrect. Experian cancelled my {$19.00} membership and is now trying to make me pay more. Spoke with the first rep that put me on hold and hung up on me after she couldnt get help so I called back and spoke with another rep that was unwilling to help me so I asked for the supervisor. XXXX XXXX of membership told me there was nothing she could do and was very rude. Its amazing that these companies are not teaching Supervisors customer service. I would like to file a complaint against Experian.

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 2022-11-02 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XX/XX/2022 logged into online 5th3rd account noted obviously altered check # XXXX ( payee line scrawled over XXXX XXXX XXXXXXXX to XXXX XXXX XXXX ) with improper endorsement had been cashed at XXXX XXXX XXXXXXXX and paid by 5th3rd in the amount of {$4200.00}. Immediately called both banks customer service lines several times that evening, and filed police report. XXXX. XX/XX/2022 filed 1st of 3 fraud packets at 5th3rd branch subsequently have been mailed 3 more : 2 by 5th3rd ( I filled out 1 more ) ; 1 by XXXX, which were filled out and notarized. Also opened investigation with USPS. Originals and copies were promptly submitted via fax, hand delivered to respective branches, mailed via USPS registered delivery and XXXX. As an aside, on XX/XX/2022, 5th3rd paid check XXXX again for {$4200.00}. This time a check had been " created '' and my signature had been forged. Calls to 5th3rd resulted in restoration of these funds 24 hours later. XX/XX/2022 opened new 5th3rd checking account overworked employee ordered checks with old account number, had to be reordered not delivered until today. To date, have been shuffled between 5th3rd Collections and Disputes and contacted both banks at least 50 times, but my {$4200.00} has not been restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: NV

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. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX ACCT # XXXX XXXX. XXXX Acct XXXX XXXX XXXX. XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # 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 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 2022-11-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, around XXXX I wanted to make a deposit of the amount of {$300.00} cash on a Bank of America ATM drive thru. When it took my cash it had returned a {$5.00} that flew off from the air and had to back up and get it. Then the machine had an error and did not give me the rest of my cash or did it went through because I did not received a receipt or a that the transaction was made. I reached bank of america and they said I needto wait but I waited too long and I want my money back. Can you please help me get my money back. Thank you in advance.

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 monetary relief
Consumer complaint received 2022-11-02 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reached out to Equifax, XXXXredit Reporting Company, asking them to verify ( with an original signed contract ). I sent this request via mail on XX/XX/2022. Equifax sent me a letter stating the debt was verified ; But failed to send me a contract as proof. I also reached out to the Collection Agency for verification ; And they never provided anything. Therefore I sent another Letter to Equifax enclosing copies documents sent to the collection agency asking for evidence. The XXXX letter was sent ceritifed mail with a return reciept. Equifax signed and recieved my letter XX/XX/2022. The FCRA requires you to verify the validity of an item within 30 days of request. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here. I informed Equifax that I contacted the Debt Colection agency for validation ; And the Debt Collection has not validated the debt either. It has been 60 days with no response from Equifax. This needs to be removed from my credit. I've also sent Letters to XXXX and XXXX without a initial response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE FRAUDULENT ACCOUNTS FAIR COLLECTIONS AND OUT XXXX -- -> : {$3100.00} XXXX XXXX XXXX  XXXX -- -> : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: GA

Complaint narrative:
EXPERIAN, XXXX, XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX  XXXX -- -> : {$3100.00} XXXX XXXX XXXX  XXXX -- -> : {$440.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$12000.00}

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 2022-11-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been unable to obtain my Experian credit report and credit score from a multitude of sources. I am also unable to create an Experian account online. I hear that this may be due to a split credit file, or something of the sort. Please inform Experian of this matter and have them send me my full Experian report and credit score. If possible, please have them send me instructions advising as to how to solve this issue, as well as who to contact. Thank you.

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 2022-11-02 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: DC

Complaint narrative:
There is a new inquiry from ELAN FINANCIAL on XX/XX/2022. The one on XX/XX/2022 was authorized and resulted in an account opening. The one from XX/XX/2022 is unauthorized and was unlawfully performed. 

ELAN FINANCIAL Location XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX Inquiry Type Individual Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
There is a new inquiry from XXXX XXXX on XX/XX/2022. The one on XX/XX/2022 was authorized and resulted in an account opening. The one from XX/XX/2022 is unauthorized and was unlawfully performed. 

XXXXXXXX XXXX  Location XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX Inquiry Type Individual Requested On XX/XX/2022, XX/XX/2022 Phone ( 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 2022-11-02 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: NY

Complaint narrative:
My XXXX XXXX XXXX XXXX card information is being reported inaccurately.

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 2022-11-02 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: Experian Information Solutions Inc.
State: NY

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

XXXX XXXX XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

5 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

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 2022-11-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Michigan XXXX Experian XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXX XXXX  ( Retailer ) XX/XX/XXXX XXXX. 
I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; Experian, written permission or my consent to furnish this information onto my credit report or consumer credit file. 
This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes.

Furthermore, I also demand you, Experian produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.

Enclosed are copies of ID and proof of mailing address. 
Thank you for your time, 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
Consumer complaint received 2022-11-02 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: ID

Complaint narrative:
Discover card has zero buyer protection. They will lie and say your purchases are protected but they are not. Their dispute department is a joke!! My dispute was escalated to a Manager and still, they found in favor of the merchant. The way Discover handles disputes is if the merchant replies with even a simple Hello they automatically find in the favor of the merchant. They do not look at the evidence or anything. They will always take the word of the merchant over their paying customers. Even with pages and pages of evidence. 
On XX/XX/2022 I purchased a {$2500.00} industrial sewing machine for my sewing business from XXXX XXXX. The owner XXXX sent me the wrong, lower-end model that he sells for hundreds less! I tried to work with him for several weeks to get this issue resolved but he refused to make it right. On XX/XX/2022 I called Discover and had a long conversation with an agent explaining the details of the purchase and interaction with the merchant before opening the dispute. I made this purchase through XXXX on my Discover card so I was unsure if I should work with Discover or XXXX for this issue. The agent convinced me Discover would stand behind me and help me, and because I believed her and opened this dispute with Discover and not XXXX, I lost my XXXX buyer protection. I have spent 2 Months on the phone almost daily with Discover trying to resolve this dispute. I have been so stressed out and in tears over what happened and how Discover has been handling this dispute case. I gave them every piece of evidence they recommended and even more proving I was not sent the right machine model. Photos of the box showing the model number with the tracking from XXXX and proof of signature with that tracking number, and Photos of the machine, packing materials, etc. You name it I gave it to them. Yet they still said they Need Proof the merchant owes me a refund. WHAT?? I gave you proof I did not get what I ordered from the merchant! Discover sided with the merchant even though he submitted ZERO evidence! Discover is letting the merchant walk away from this transaction knowing he scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: GA

Complaint narrative:
Experian is allowing a fraudulent account report on my credit. Ive sent in several documents explaining that this is a fraudulent account. They continue to report this 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 explanation