vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Okay I had a tax refund sent to chime bank on XXXX XX/XX/2022 amount XXXX and chime had suspended my account months prior to the deposit but I was working to get it fix, but then was told my account was being closed and my remaining balance would be sent to me. I have chime over and over and they wont give me and updates on my money and I worked hard all year for. I am an self employed worker and them funds are really need and I just had my baby last week so im at home right now and again they have XXXX of my refund and also my XXXX check was deposited I havent heard anything about and theyre just holding my money in an account I dont have access to which is unbelievable and they ask for information Ill only know if i had access to the account making it extremely hard and once again my account was supposed be long closed before my refund so I dont understand why they accepted the deposit other then bouncing it or returning it to XXXX bank so They can issue me a check for my refund the whole situation is horrible theirs no way that money shouldve landed in a closed account just for them to give me the run around and I also had XXXX put a trace on my deposit so its their being held without reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
We have received multiple calls from an XXXX number claiming to be Wakefield that just says it is related to debt collection. We do not have unpaid debt with anyone. I think it is a fraudulent call and therefore am not calling them back. 
The caller Id shows as ( XXXX ) XXXX, but the message says to call them XXXX, which is Revenue Recovery Corp, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Text of voicemail : We have an important message from Wakefield and Associates. This is a call from a debt collector. Please call XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
We came to a agreement settlement in letter form kohls have to sign the agreement letter then I make the payment Im still not liable for the debt but Ill settle & pay XXXX $ just to get it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: NJ

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX 30 days late on XX/XX/XXXX2021, XXXX 2021, 60 days in XX/XX/XXXX 2021, Jan 2022, 30 days in XX/XX/XXXX2022, and XX/XX/XXXX2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
My name Is XXXX XXXX. I had a amazon store card with Synchrony Bank with account ending in XXXX. They stated my closed my account due to 2 sent back payments. I stated I was in the hospital with covid and almost died but I pulled through and lived. I have been with synchrony bank for 3 years and have not missed a payment till now. The last thing I would be worried about is paying a bill while on my death bed, but soon as I got out I called to correct everything. They closed my account without my consent and still want me to pay. Im pretty sure that is a form of discrimination and extortion. I demand they open my account back up. I been a loyal customer to them, then in my time of need, they stab in my back. I already know they gon na write in their response that the contract states something about if you miss 2 payments they can close your account, But the UNITED STATES CODE says that they cant close my account without my consent. Im pretty sure the federal code supersede any and all of your rules. And to be honest the contract is not even binding because its only one signature on it and its mines. Synchrony Bank needs to open my account ASAP due to them violating my consumer rights

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 2022-08-04 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: TX

Complaint narrative:
Equifax XXXX of XXXXi I REQUEST that you Equifax Validate { not verify } this account XXXX of XXXX acct number you supplied on credit reportXXXX  on report XXXX Disc please enclose the following of you verification { 1 } who you spoke to { aLL associates you spoke what was said by both parties their contact information, any co workers you talked what was said by both parties their contact information { Phone numbers } address of original owner their contact information you Eqifax claim verified I need the information meaning of verified make sure or demonstrate that { something is true or justified LAW swear to or support { a statement by affidavit } Validation the action of checking or proving the validity or accuracy of something '' CFPB I have the right to this information you can not report PAST DUE on a closed account that is a violation CFPB this is me writing this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX Account Number : XXXX Bal : {$0.00} 2. XXXX Account Number : XXXX Bal : {$0.00}

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 2022-08-04 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: NJ

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX Account # XXXX 30 days late on XX/XX/XXXXXXXX, and 60 days on XX/XX/XXXXXXXX. 

XXXX. XXXX XXXX # XXXX 30 days late in XX/XX/XXXXXXXX, and XX/XX/XXXX XXXX. 

XXXX. XXXX Account # XXXX 30 days late in XXXX  XXXX, 60 days in XXXX  XXXX, 90 days in XXXX  XXXX, 30 days late in XXXX XXXX, 60 days in XX/XX/XXXXXXXX, and 90 days in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX XXXX XXXX Account Number : XXXX Bal : {$75.00} 2. XXXX XXXX XXXX XXXX 
Account Number : XXXX Bal : {$930.00} 3. XXXX XXXX Account Number : XXXX Bal : {$1300.00} 4. XXXX Account Number : XXXX Bal : {$0.00} 5. XXXX Account Number : XXXX Bal : {$0.00}

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 2022-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX Account Number : XXXX Bal : {$0.00} 2. XXXX Account Number : XXXX Bal : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Aaccount : name XXXX XXXX XXXX In accordance with the fair Credit Reporting ACT XXXX  Account # XXXX/XXXX  # XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX ON THIS ACCOUNT ACCOUNT IS XXXX PAYMENT ARE MADE FOR XXXX EACH MONTH ON XXXX FOR EACH MONTH! 

THIS IS WHAT I HAVE FOUND THAT Incorrect? 




I have send to Experience and XXXX and XXXX  To Please verify inconsistent in my Report. 
I have submitted certified mail and for Them to verify Information in my credit report. 
I do not understand how they have responded with all accounts have been verified. 
I have found several inconsistencies in My report. 

Note : Experience : Name XXXX XXXX XXXX not XXXX XXXX I have send Copy of drivers license Also the account that they told they Verify Do not match with dates and amounts Also disputed inquires same company several inquiries. 
XXXX  XXXX time! 

Address is not Correct also send them copy of Correct address still not Change. 
Employment information also incorrect have send them my Employment information Still have not been Changed. 


XXXX DATE ARE Incorrect AS PER OPEN DATE and last Reported XXXX Incorrect date ALSO Mix information SAME Inconsistent XXXX  XXXX  Incorrect date on last Reported I have also Requested this Verification from 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 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2022 I noticed that there were transactions done with my debit card not done nor authorized by me, the same day I notified the bank that such transactions were unauthorized/fraudulent. They open a case and today XX/XX/2022 I received a notice that the bank had closed the claim and had determined the transactions were infact mine and I was not to receive any credit for it.

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 2022-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I had XXXX sccount with synchrony. Had never missed one payment never late. Credit score good XXXX percent payments. Then on XX/XX/2022. They closed all account. And all they say is high risk for failure To pay. I've never been late ever. One card had just got in XXXX. There ruining my credit I worked so hard to build. This is so so wrong. Yet u go apply for a new card and they approve u. So u get another hit on credit. And lower average time of having credit. But that's what they tell you go reapply. This does not make sense to allow a company to do this to good paying people. That work hard to keep payments up and good credit.

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 2022-08-04 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: LA

Complaint narrative:
I did not giving Equifax consent to furnish accounts on my consumer report, Equifax is invading my right to privacy, and they are not adhering to 15 USC 1681a ( 3 & 4 ) and 15USC 1681B2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: SC

Complaint narrative:
In XXXX after my credit score dropped almost XXXX points XXXX reported my loans 90 days past due but I did a deferment. I was not notified by XXXX before deferment ended. I submitted a dispute the same day XXXX  put a forbearance in place that I was not aware that I had available to me. On each loan with Experian and XXXX XXXX I placed reporting wrong and in forbearance. Yesterday Experian sent me a notification that my dispute was completed and XXXX changed nothing and left all loans as is. I called Experian and they told me to upload proof so I did. This morning I got another notification that another dispute was opened giving XXXX another 30 days to fix it. I brought this to XXXX attention yesterday and quickly they reported to XXXX XXXX that my loans were current. Also I called XXXX about the Settlement list and they would not provide any information at all. I called the Sc Attorney General 's office in SC and got a call this morning stating I wasn't on the list and I have loans that were private and also loans for for-profit schools. And again XXXX will not give me any information. I have had nothing but headaches with XXXX since they were XXXX XXXX. I did a rehabilitation in XXXX for XXXX loans and was told by XXXX the guarantor that I could have those loans transferred to my other servicer who is wonderful but that never happen. For the damage to my credit I would like to sue XXXX and Experian. The loans for XXXX College also belong to once was XXXX XXXX. In XXXX I believe XXXX  XXXX switched the name to XXXX College. I only had a few months left until I finished and they made me start all over again and take out loans for classes I already took. Virginia College took a numerous amount of financial aid from me and when my step dad passed I took a short break and when I tried to return I was denied entry. The dean said I had attended too many colleges???? I just attended there almost a year????? They were also a for profit school that closed down along with XXXX. My Virginia College loans are with XXXX I believe. I asked XXXX for the forms for forgiveness on those loans and they stated they didn't have the forms and that if the school did not close I probably wouldn't get. I am so so upset and tired of 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 2022-08-04 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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
Consumer complaint received 2022-08-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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:
I Recognized fraud inquiries on my account, and would like them removed. I have filed complaint with Identitytheft.gov and have recieved FTC report. The following inquiries are from equifax, and XXXX. 

Equifax : XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: WI

Complaint narrative:
In accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report. 
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? 
This is grounds for removal. 
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 1692c Section A : States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not 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 2022-08-04 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: WI

Complaint narrative:
In accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report. 
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? 
This is grounds for removal. 
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 1692c Section A : States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation