vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Thank you Chime for helping out, I reached out because there was unauthorized transactions on my account and filed a claim for one of them. 

The agent didnt add the rest so I had to go back and start a 2nd claim to rectify the remaining ones. 

Original claim XXXX During the investigation, Chime found out I was not at fault for the fraudulent transactions and was refunded because they saw the transactions were not coming from me. 

The remaining transactions need support as well, its from the same merchant and have been waiting for help. 

The first one from XX/XX/XXXX, Case # XXXX was approved because Chime saw they were fraudulent. 

I need help with the remaining transactions dated below please : XX/XX/XXXX - {$350.00} XXXX XXXX - {$490.00} XXXX XXXX - {$140.00} XXXX XXXX - {$450.00} XX/XX/XXXX - {$420.00} My new claim number is XXXX I need help approving these for refund please and thank you I have a XXXX Police Report for these, report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have sent letters out via first class mail.. According to the FCRA, These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent letters out via first class mail.. According to the FCRA, These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX # 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

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX # 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2023 @ XXXX XXXX, I called to get an official Payoff on an auto loan ( XXXX ) I have with US Bank and spoke with XXXX XXXX ( wont give me her last name ). XXXX XXXX completely disregarded the privacy laws and insisted on knowing the reason for a payoff. I told he that it was none of her business to know the reason as to why I need a payoff. She refused to give me the payoff. I asked for a supervisor, XXXX XXXX, ID XXXX, came on the line and rudely refused to give me a payoff as well unless I also provided her a reason for the payoff and refused to send me a payoff document. I asked how to file a complaint, XXXX XXXX advised me that I will have to do it through her. XXXX XXXX advised me that she will file it on my behalf, and gave me a complaint reference # 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 2023-10-01 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXXXXXX XXXX Please remove it 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 explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
XXXX has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus transunion XXXX and 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 2023-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ive received a monthly pension check from XXXX for 11 years on the 1st day of every month. BMO recently bought out Bank of the West and on the very first month of taking over my check was not automatically deposited. When I called C/S I was told I would have to wait until XX/XX/XXXX to access my money because XX/XX/XXXX was a Sunday. Never in 11 years of electronic deposits has this been a problem. So BMO can just buy out a bank and change the rules? XXXX has electronically transmitted the info and BMO can just hold on to my money until they decide to release it? 
My rent and other automatic payments are due today on the XXXX and will not process because my pension check is not in my account as it has been for 11 years.

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Fico, Experian, and XXXX under section 1681s-3. By federal law should not be sending misinformation about my credit utilization and late payments should not be on my be on my consumer 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 2023-10-01 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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

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 2023-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XXXX XXXX I called Chase to pay off my credit card balance. I spoke with customer service and told amount and made a payment for that amount. I received a bill the following month for interest charge. I wrote to the company on XX/XX/2023 and disputed the charge. Chase responded and refused to remove the interest charge. I have responded back to Chase in writing stating that I still disputed the charge. 

In short I contacted Chase, received a payoff amount, made a payment in that amount on XX/XX/2023 and I consider the account paid in full. 

I have attached the letters sent to Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX acct # XXXX XXXX XXXX acct # 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

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX acct # XXXX XXXX XXXX acct # 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting 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:
On XX/XX/2023 I initiated an Experian Credit Bureau dispute on 10 Credit Bureau reporting accounts Dept of Education/XXXX , the accounts had been transferred to XXXX/Dept of Education on XX/XX/2023 XXXX Experian responded on XX/XX/2023 the dispute process was completed and no changes to the XXXX account had been updated, it remained the same. Therefore Experian is continuing to report 10 duplicate Federal Student Loan accounts the balance with XXXX remained on my report. 
On XX/XX/2023 I filed another dispute with the Experian Credit Bureau to dispute the same 10 Credit Bureau reporting accounts Dept of Education/XXXX , my dispute is the accounts have incorrect balances, the balances are XXXX. XXXX was paid in full XX/XX/2023, XXXX should no longer be reporting a balance as of XX/XX/2023. 
On XX/XX/2023, I received Experian response to my dispute, dispute process was complete. The information remain unchanged. I had difficult reaching someone at Experian, that's ongoing issue, contacted member services who transferred my call to dispute representative who understood my dispute, however best the rep could do was to file another one. I informed the Experian Rep, the information is easily confirmed via their website and automated system, the 10 accounts were paid in full XX/XX/2023 total {$130000.00} and all account balances reflects {$0.00}. This is two disputes, I informed the rep, Experian should be capable to correcting this information through a phone call themselves, I should not have to wait another 30 days to get another notification that the dispute was complete and the information remain unchanged due to their inability to confirm the balance with XXXX. It's unfair to me as the consumer and I have information being reported that is incorrect and is knowingly incorrect but Experian fail to update it. I have attached a copy of the XXXX Statement and Payment history that reflect the date the payments were paid in full and the balance is XXXX. Why is this unable to be correctly updated in Experian Reporting? This takes up too much time to continue this process, it's very frustrating, really wish you guys consider doing away with these type of consumer reporting risk companies. There has to be another way to obtain accurate information without consumers having to go through this type of steps to learn it is not removed after having written and confirmed proof.

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 2023-10-01 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023. Packages started arriving at my door for purchases that were made with Chase credit card from XXXX. Someone named XXXX broke into my XXXX account made purchases tried to have the items redirected and shipping to a XXXX location pick up. XXXX did not re-direct those packages to XXXX but deliver them to my door. I did not make those purchases. I contacted XXXX and found out this person named XXXX ordered online gaming codes and Mel vitamin pills. He redeemed them online gaming codes but the mill vitamin pills arrived at my home instead. I called Chase disputing the transaction and they said they would deal with it remove it and then they re-posted the Amount of {$440.00} to my account during XXXX billing statement I try to dispute the transaction with them again they are being very unhelpful not listening to me. I have proof I did not make these purchases. I have online proof that the person name XXXX XXXX these purchases try to redirect my packages and sign for a package in my name. I called Chase and asked for a new card, asked for the old one to be locked and replace I have not received a new card. I called them to dispute. I asked her paperwork in the mail so I can send them proof, and I have not received it yet. They been very unhelpful. I also found chase.com has leaked my information on the XXXX web. All of my email and banking information has been leaked from chase.com during my own private investigation into this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc.
State: TN

Complaint narrative:
Avant has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XXXX, I booked a hotel through American Express Travel, charged as `` AMEX XX/XX/XXXX '' for {$330.00}. I did approve that charge. Then, on XXXX, the same exact charge for {$330.00} for the same hotel ( billed as " AMEX XXXXXX/XX/XXXX ). I did not approve that charge and it seems to be a duplicate charge. I noticed this issue in XXXX and called American Express to sort out the issue. American Express referred me to American Express Travel. In each case, I have been shuffled around to various agents and supervisors, none of them sure why the charge has been duplicated. 

Because it is through American Express Travel, American Express classifies it as an internal charge. I can not dispute an internal charge with American Express. Hence the discussion with 20-30 agents, each directing me somewhere else. I have called four or five times in the past 6 months, often on the phone for hours. In a few cases, Ive been told that I would be personally called about the issue, and then hear nothing. One Global Complaint was created a few months ago, XXXX. In chatting with them later, Amex/Amex Travel has no record of the complaint. Today XXXX, a new complaint, XXXX was created! Amex says I have to talk to Amex Travel, and Amex Travel says I have to talk to Amex. Im not sure who to contact since I cant officially dispute the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I currently have fraudulent account and Unauthorized inquiries appearing 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 non-monetary relief