vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: DE

Complaint narrative:
On XX/XX/2021 I used my card ending in XXXX to buy sneakers from XXXX that cost {$140.00}. Once I returned them I then requested XXXX to start a return and they did. I dropped the sneakers off at XXXX and got a return receipt. I then was told my {$140.00} would be issued back to my Chime card ending in XXXX. Because of this not being refunded when I thought it would I filed a dispute. Chime denied my dispute ( XXXX ) and representative stated if I had new evidence they would file a rebuttal. I then provided them with my XXXX  return receipt as well as adidas updated status stating my funds were returned back to my card ending in XXXX. However the next day they denied my rebuttal stating no error occurred. I then contacted XXXX via chat and they informed me that they tried sending my funds back twice to my card ending in XXXX and chime denied my refund. They stated I needed to contact chime, which I did and it was on Thursday XX/XX/2021 @ XXXX where I spoke with chime rep XXXX and XXXX representative and he informed the chime rep that they tried to process the refund twice back to me and it kept being blocked. The chime rep had no response. He also stated he would escalate this and gave me incident number XXXX. On XX/XX/2021 @ XXXX est I called the dispute department and the rep stated he saw my claim was still denied even with the supporting evidence that shows I indeed sent the merchandise back and was told by the merchant my funds were sent back to my card. This has been overwhelming and I would like my funds to be issued back to me as well as an apology from Chime

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: AL

Complaint narrative:
Someone has stolen my identity and using my ss # on the XXXX XXXX. First I want to state on my Equifax report there are several addresses for me in XXXX XXXX Nevada that aren't mine and neither have I ever lived there they are listed below XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada I never resided at any of these addresses I live in XXXX, Al Also there are fraudulent accounts in my name that was open up in XXXX XXXX Nevada and again I reside in XXXX, Alabama These are the accounts please investigate these fraudulent accounts and remove and also see where my information. Was found in over 23 data breech I am uploading. Please remove these fraudulent accounts ASAP XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/2020 XXXX ran a hard inquiry on my credit report. I called XXXX the day I got the day the alert came from the Credit Bureaus that my credit was ran. I spoke to XXXX, she advised me it was an error on XXXX 's end. She provided me with the address to get the dispute taken care of. However, she told me I will need to wait a few days because the application she found didnt have an account number attached to it and I will need it to dispute the hard inquiry. After, I didnt receive anything with an account number, I called back on the XX/XX/XXXX and rep was able to close the account but still was unable to provide me an account number. 

I have written several letters to XXXX and the three credit bureaus ; TransUnion, XXXX and XXXX. XXXX has removed the inquiry because of the fraud that happened and have placed a fraud alert on my account since XXXX of 2020. However, TransUnion and XXXX is refused to remove the inquiry even though the inquiry is marked as fraud. 

I reached out to the police department and they advised because I never recieved a card, it isnt a crime. So I couldnt file a report. I was advised to reach out to CFPB to get a report filed and try to get it removed this way. 

As a consumer I need some help to get this fraud off my account. I am tired of large companies being bullies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CA

Complaint narrative:
My boyfriend and giving me the Check that was given to him by XXXX  XXXX XXXX after the account was closed. The check was written in his name I however had permission to deposit it into my account. I did so with Square Cash as he endorse the check however they took three days to deny the check and werent helpful and me understanding why. They denied it on a Friday and I snapshot of the picture again and I had reached out and after a difficult time contacting the company because they dont have a phone number released to the public. It was explained to me that the name is on the check did not match with the name of the account holder however in the terms and conditions it says nothing about Endorsing checks to third parties or anything like that I offered full cooperation and providing any document or whatever would be needed necessary to prove that this was indeed a valid check endorsement. I got nothing and its been an inconvenience and they have not been helpful whatsoever and to add insult to injury they require that I write for cash app deposit only now it is proving to be in a big inconvenience now that they Have denied the check and hi cant go anywhere else with it because it says for cash out deposit only now thats an inconvenience to me and its been a week and I have been unable to pay my bills and this isnt fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XX/XX/XXXX a charge-off account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX FOR THE AMOUNT OF {$5.00} ,850 to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX XXXX I opened XX/XX/XXXX FOR {$5800.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$0.00}, XXXX opened XX/XX/XXXX FOR {$0.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: FL

Complaint narrative:
on XX/XX/XXXX a charge-off account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX FOR THE AMOUNT OF {$5.00} XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX XXXX I opened XX/XX/XXXX FOR {$5800.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$0.00}, XXXX opened XX/XX/XXXX FOR {$0.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERAIN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Critical Resolution Mediation LLC
State: MO

Complaint narrative:
On XX/XX/21 an XXXX American woman left messages for me and also called family members claiming to be from CRM ( Critical Resolution Mediation, LLC ) .. She left threatening messages about needing to do a wage assessment and that a claim was made against me, and that I was listed as the respondent and a warrant was being issued if I didn't call back today. She threatened to call my place of employment and speak to HR. I called the number that she left on the voicemail which was XXXX. This was a bad number, so I called the number that she called both me and my brother at which is XXXX and she answered. I asked about the company name and address location. She asked my name. I told her who I was. She placed me on hold for several minutes and then hung up. I called 4 or 5 times and continued to be hung up on or sent to an invalid message. I continued to call and a white lady picked up. I asked for her name and she placed me on hold. I was disconnected. I continued to call and get hung up on 4 multiple times. I made a total of 13 calls back to back trying to get answers. I got the XXXX lady again. I asked for her name, she replied this is Miss XXXX. I continued to press for her first name and business address. She told me she was calling from XXXX in regards to a bad check from XXXX. I have never written a check for XXXX. She wanted me to confirm my social and I would not. She refused to provide any business information and hung up. I called back and got the XXXX lady again and told her that I knew that this was a scam and that I wanted to know who I was speaking to so that I could report them to the federal trade commission. She said that this was not a scam and placed me on hold. The XXXX lady came on the line again and I asked for her name and business address. She hung up again. They are in violation of multiple laws. I have filed a complaint with the FTC but I only had a phone number at the time. I have also filed a complaint with the XXXX XXXX XXXX which is where I found more complaints. I received phone calls once a week during the month of XXXX. My brother received a call from them on XX/XX/21. They threaten and harass. 

I have blocked this number but they tried calling from a different number. They are harassing me and I want something done about it.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-14 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: AR

Complaint narrative:
On XX/XX/2020 CapitalOne ran a hard inquiry on my credit report. I called CaptialOne the day I got the day the alert came from the Credit Bureaus that my credit was ran. I spoke to XXXX, she advised me it was an error on CaptialOne 's end. She provided me with the address to get the dispute taken care of. However, she told me I will need to wait a few days because the application she found didnt have an account number attached to it and I will need it to dispute the hard inquiry. After, I didnt receive anything with an account number, I called back on the XX/XX/XXXX and rep was able to close the account but still was unable to provide me an account number. 

I have written several letters to CaptialOne and the three credit bureaus ; XXXX, XXXX and XXXX. XXXX has removed the inquiry because of the fraud that happened and have placed a fraud alert on my account since XXXX of 2020. However, XXXX and XXXX is refused to remove the inquiry even though the inquiry is marked as fraud. 

I reached out to the police department and they advised because I never recieved a card, it isnt a crime. So I couldnt file a report. I was advised to reach out to CFPB to get a report filed and try to get it removed this way. 

As a consumer I need some help to get this fraud off my account. I am tired of large companies being bullies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent in multiple requests for investigations on the item listed & the creditor as well as the credit bureaus continue to report this account as inaccurate. The date of last activity is different on all 3 reports, if this information is coming from the same source then it should all be reporting the same dates. This is incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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:
I have sent in multiple requests for investigations on the item listed & the creditor as well as the credit bureaus continue to report this account as inaccurate. The date of last activity is different on all 3 reports, if this information is coming from the same source then it should all be reporting the same dates. This is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: TX

Complaint narrative:
I have sent in multiple requests for investigations on the item listed & the creditor as well as the credit bureaus continue to report this account as inaccurate. The date of last activity is different on all 3 reports, if this information is coming from the same source then it should all be reporting the same dates. This is incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: OneMain Finance Corporation
State: CA

Complaint narrative:
On XX/XX/2021 I received a letter from OneMain Financial stating that I requested a verbal request to stop contacting me by phone and/or mail. 
They have permanently removed any cell phone numbers from my account and from automated dialing system and placed a note on account to discontinue all collection call to me. 
They apologize to me any inconvenience caused. To ensure that they are meeting my communication expectation, it would be helpful if I complete the information at the bottom of this letter they I will attach and return it to them with means of communication phone numbers written email text or other. 

Immediately phoned the number listed on letter and I spoke with a XXXX on XX/XX/21. She did confess that this letter is in fact a " Retaliation '' from the claim I submitted. 

This is an ambiguous letter made up from OneMain Financial. 

*On the contrary I am waiting for explanation on another claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: I.C. System, Inc.
State: PA

Complaint narrative:
XXXX is inaccurately reporting a collection account on my credit report which doesn't belong to me. This same account has been disputed with XXXX. XXXX investigated and deleted it. I learned of this erroneous inaccuracy on my account when my credit was pulled for a Mortgage Loan application. This erroneous report has negatively impacted my credit worthiness. XXXX violating my consumer rights protected by the FCRA, 15 USC 1681b ( a ) ( 2 ) " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written consumer who it relates to. '' This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this 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 explanation
Consumer complaint received 2021-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have disputed several times with the Credit bureau in regards 2 student loans that does not have the complete account number but were on my report as charged off and collection. After several letters asking them to please provide prof that those account belong to me TransUnion is the only bureau still have negative information on my credit report. I reach out department of education and ask about these accounts, they could not verify the account and ask for letter that TransUnion asked to get from Creditor but they could not provide any since no accounts were related to me. Went back with TransUnion and their agent are the worst customer service even when I ask for a supervisor to ask for a complete account number but they would not give it to me I log in online and the account is incomplete, received a report still incomplete. How they could verify and have these accounts if they are not complete and is been causing damage to my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: AFNI INC.
State: MA

Complaint narrative:
On ( XXXX, XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation