vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 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: CO

Complaint narrative:
I've had an account with chime for a couple years with no problems. Recently someone hacked into my XXXX XXXX account and pretty much drained the rest of my tax return from my chime account. On XX/XX/2023. XXXX dollars in a series ' of adding cash from my chime account to my XXXX XXXX, than sending it to themselves. Multiple transactions from XXXX to XXXX. The last time they tried for another XXXX and it got declined.I 'm newly divorced, and lost everything in that divorce. I've been trying to rebuild my life. So if you can imagine, that money was very important. I noticed this hack about two hours after it occurred and immediately notified chimes dispute department. First I'm told that once the transactions are no longer pending, then I need to promptly notify them again that I still dispute the charges. When I ask when Ill see my money credited to my account. I was told by one employee up to 45 days and by another, XXXX, ,up to 90 days. So I research their website. They claim to be backed by XXXX XXXX XXXX liability policy. And my XXXX XXXX  was only linked to my chime XXXX card. So than I research XXXX XXXX  website and policy. I even call their customer service. The policy states that XXXX requires all issuers to credit your account within 5 days of notification. So I call chime multiple times, even speak to a supervisor. All I get is this run around talk and the same 45 to ,90 day XXXX and employees pretending like they give a XXXX. It's a XXXX  dollar company with insurance. And they are refusing to credit me the money stolen from my account in a timely manner going against their own policies and contracts. Meanwhile im stuck at home needing a car repaired and can't even buy groceries. If this were any other bank my money would've been back in my account in 24 hours or less. I have never been more disappointed, let down and disgusted by the greed of a company. Shame on them. Seems to me like some class action lawsuits are headed their way. As they deserve. How unintelligent to go against your own policies are rules. They deserve nothing less. As for myself, I'm already in contact with a consumer protection lawyer who works on contingency. Which will cost them much more in attorney fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: TX

Complaint narrative:
Hello, recently I saw late payments on my credit report from XXXX XXXX XXXX XXXX XXXXXXXX and XXXX that I do not recognize. I also been studying laws that protect me as a consumer and according to the FCRA, transactions such as payments are not supposed to reflect on a consumer credit report anyway. So I have the right to dispute this info and have it updated as soon as possible. I know that this is just a billing error and I just would like for it be corrected and updated to paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: MD

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! Please, you must remove this as soon as possible.

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 2023-03-21 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: TN

Complaint narrative:
I got these negative items from unknown companies to show up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: OK

Complaint narrative:
On XXXX I received a letter from IQ Data International, the letter was dated XX/XX/XXXX of 2023. So for some reason I received the letter a month and a half later. The later stated I owed around {$1500.00} to my old apartment complex. I called on XXXX and left a voicemail saying I was confused as to what was going on, I moved away from there 2 years ago. On XXXX I was called by an employee named XXXX, who was nice at first. When I asked what I was being charged with he summed it up by saying 'turnover charges ' and then later when questioned again he said I didn't pay my last month of rent either ( {$520.00} ) .When I brought up that I could prove I paid that with bank statements XXXX quickly panicked, I don't remember what led to it but he said he needed to know how much I could pay. I told him but I told him I would not pay until I see what I'm being charged for, he threatened that it would not be deleted off my credit report until I pay it. I'm trying to avoid any scams as this is fairly common. He kept demanding my card information and I had to tell him no repeatedly and that I was going to shower so I could go to my job. XXXX made it very difficult to hang up and after I finally did he called me later at work, I called back and told XXXX that I'm at work and must do my job. I also told him that I could not talk, I work in a loud environment and he is not allowed to call me at work and XXXX kept insisting that I am the one who called and that I am missing out on an opportunity. XXXX refused to give a written list of what I'm being charged for and refusing to send out confirmation that this will be deleted from my credit if I do pay it. It was an awful experience and I feel harassed and unsafe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: TN

Complaint narrative:
I got these negative items from unknown companies to show up on my credit report.

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 2023-03-21 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I got these negative items from unknown companies to show up on my credit report.

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 2023-03-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 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 non-monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
Just received notification of false information being reported on my credit report, in which I never owed this account, it dose not belong to me and I would like for it to be removed immediately before it effects my other accounts. 

False Information Being Reported : XXXX XXXX XXXX XXXX # XXXX This account does not belong to me, I never took out this account from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I contacted Experian Credit reporting agency regarding my credit score decreasing by twenty-five points with having one of the nine reasons why such a decrease would occur to my score. 

RE : XXXX '' Back to Messages From : Membership Support XXXX To : '' XXXX '' XXXX Sent : Fri, XX/XX/XXXX XXXX AM I received no answer from your voice team and would like to have my concerns involving reference # XXXX addressed as to why none. 
of the nine reasons which justify the twenty-five-point decease which took place on my credit report, applied to my score, but the decease still took place. 

XXXX : " XXXX '' Back to Messages From : XXXX XXXX To : XXXX Sent : Fri, XX/XX/XXXX XXXX XXXX  I appreciate your attempt to provide good customer service in this matter, and I draw your attention to what you stated, " When you do have a score change, you can find a " What's changed '' section on your credit report. This will help you compare the changes that happened between report pulls that could have caused the score change ''. I have thoroughly compared the report from XXXX score XXXX Experian date XXXX XXXX, XXXX which was XXXX, and report from FICO score 8 Experian date XX/XX/XXXX which was XXXX no such information was provided as to what changed or any, " What's changed '' section that exist. I have printed both reports and will make sure my concerns are proper before filing my concerns with Consumer Financial Protection, I will also contact the Customer Care team at XXXX XXXX Monday through Friday XXXX XXXX  to XXXX XXXX and Saturday and Sunday XXXX XXXX  to XXXX XXXXXXXX  XXXX Time, as you suggested.

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 2023-03-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

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 2023-03-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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 non-monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: AZ

Complaint narrative:
On XX/XX/1023, PennCredit, a Pennsylvania Corporation, contacted me via US Mail in Arizona in an attempt to collect a debt I do NOT owe. 

PennCredit Corporation is NOT registered to conduct business in Arizona. Arizona law requires foreign ( ie, out of state ) corporations that transact business in the state to register with the Arizona Corporation Commission and obtain a Certificate of Authority before engaging in business activities. Therefore, PennCredit Corp is operating unlawfully in Arizona. 

I responded to PennCredit via email on XX/XX/XXXX to 1 ) notify the company that it is operating unlawfully in Arizona, and 2 ) to dispute the debt the company claims I own. 

To date, I have received NO response from PennCredit Corporation. 

The Arizona statute requiring corporations to register with the Arizona Corporation Commission and obtain a certificate of authority is found in XXXX XXXX XXXX XXXX, Article 1 of the Arizona Revised Statutes. The specific section that addresses this requirement i

s A.R.S. 10-1501. A.R.S. 10-1501 states that " a foreign corporation may not transact business in this state until it obtains a certificate of authority from th
e commission. '' The section goes on to define " transacting business '' to include " any entry into this state to carry on any part of its business, '' " any internal affairs proceedings, '' and " any other act which may constitute doing business. '' Therefore, if a corporation wishes to conduct business in Arizona, it must obtain a certificate of authority from the Arizona Corporation Commission before doing so. 

Since PennCredit Corporation is NOT registered and does NOT have a Certificate of Authority with the ACC, it is unlawfully operating its business in Arizona ( and probably many other states as well ) by attempting to collect alleged debts from persons in Arizona. 

Note that every US state has a similar law that requires all foreign corporations register with? Usually ) the Office of the Secretary of State in that particular state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have never received notification from this company that I owed this really old debt that was previously charged off by XXXX over 9 years ago. I initially informed XXXX back in 2015 that this debt was charged baby my ex husband without permission and was fraud. This company has now purchased this old charged off fraudulent debt from XXXX which was purchased by XXXX and now placing this fraudulent debt into collections to damage my credit for another XXXX years. This should be removed from my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please look at the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2023-03-21 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: CLGF Holdco 1, LLC
State: NC

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

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 2023-03-21 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: TX

Complaint narrative:
I have disputed this account through the company and through previous complaints with the Consumer Finance Protection Bureau, with a collection from XXXX or XXXX. The collection is for the same payday loan. The collector agreed to delete this account due to inaccurate information. However when I dispute this same account to have it removed from my credit report Transunion refuses to remove it. I have proof of the account deletion and have had no problems with XXXX removing the account in a professional and timely manner. Ive had to dispute this same account multiple times with Transunion with no success on their end. Also all other creditors are showing this collector as XXXX XXXX, its only showing up as XXXX through transunion but it is still for the inaccurate loan from speedy cash.

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 2023-03-21 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-03-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, XXXX XXXX, XXXX XXXX accounts was opened fraudulently in my name while i was incarcerated in XXXX i have my proof of XXXX  documents and my police report and investigation. this shows that i could not have opened or used this accounts. but they still wont delete them of my credit. XXXX and XXXX XXXX XXXX. both opened in XXXX  ive tried disputing them over and over again. my only option after this is taking it to court.

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