vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 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: SC

Complaint narrative:
Complaint Details I am over my deceased family member estate. CHIME BANK was notified after her death by sending over documents, death certificate, ID, PR information. For one barely any rep is trained in these type of situations since you speak to a differently rep everyday explaining the same thing over, a few will hang up on you as if they transferring but dont when they dont know what to do. Long story short after getting that squared away a month later, closure checks finally came. Before that came they had closed the account. I gave the first case number for the account in which they let me know I can not dispute online by email any longer since they changed that process this year XX/XX/year> for everyone. So I phoned instead. Got transferred to many people again until I got a rep that lied about him opening a ticket. Found out after I called back to check the status so I spoke with another set of reps before getting one with more knowledge. Case was finally created on two disputes, each was for a {$1000.00} when a female friend of the deceased fraduently used her card for her own needs. Bad enough this girl stole my niece wallet, ID, SS card, phone, and all as personal. The young lady transferred money to her XXXX XXXX. XXXX or XXXX business days went by before checking on the status. Thats when I had to find another good trained rep that told me the case was closed bc the account is closed. I said what sense was that when they told me to dispute this account for charges but not by email. That was unauthorized transaction that had nothing to do my deceased family daughter, funeral, and her in general. Like do your job and investigate. I have not received any letter to the address of mine someone notated received an email that they all kept notating. Yet somehow they still sent it to her address or email when she is deceased and I kept telling them to notate thoroughly the case. This bank needs more training, more reps that listen. Reopen the dispute and settled this unauthorized mess. I reported even on XXXX but from the back and forth with the company responding, their was no resolution, XXXX closed the case due to no end resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BetterNOI, LLC
State: TN

Complaint narrative:
My rental application was denied based on information from Screening Reports Inc . When I inquired a copy of records, I was advised to contact XXXX. XXXX stated that the record wasnt on my credit report, but agreed to send a copy of records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: GA

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would really like this account immediately reinvestigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX Account XXXX XXXX In accordance with The Fair Credit Reporting Act, Public la 91-506, Title VI, Section 611, please provide the names and business address of each individual with whom you verified above follow up. Please send me a copy of my credit report after your reinvestigation. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1400.00}

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 explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Since XX/XX/year>, I have received repeated fraudulent charges on my Citibank checking account/debit card from XXXX XXXX . I have never had a XXXX XXXX account and never made or authorized purchases for anything from XXXX XXXX. On approximately XXXX times, I've closed the debit card and had a new one issued. Yet, the fraudulent charges continue. I have called Citibank about XXXX times and spend literally dozens of hours on the phone and each time I call, they have no record of my prior calls. Each time, I go through the fraudulent charges XXXX by XXXX, which now total well over XXXX fraudulent charges exceeding {$2000.00} in total. And each time they promise a provisional credit, but I never get one. And each time I call back, they seem to have no record of me calling the prior time. Among the reference numbers from Citibank are : XXXX ; XXXX and XXXX, but there are more. On XX/XX/year>, I filed a complaint with the CFPB under XXXX. 

On XX/XX/year>, they credited me some of the charges back and on XX/XX/year>, this matter was closed by CFPB because Citibank claimed that they had credited the funds. Astonishingly, after the matter was closed, Citibank reversed the credits and has yet to provide any explanation. I have been trying to reach them for a month by email and by phone and not once have I received a response. It feels like this is deliberately deceptive practice by Citibank to avoid oversight in this matter. 

As a result, on XX/XX/year>, I filed a second complaint, Case # XXXX. On XX/XX/year>, Citi indicated that they agreed that I was wrongfully debited and wrongfully not credited back from the fraudulent charges and explicitly stated that my " claim has been honored and a credit in the amount of {$2200.00} will be applied to the account within XXXX business days. '' As a result, CFPB closed this second complaint. Astonishingly, after a week of not being credited, I contacted Citi but then was only credited {$500.00}. I opened yet another complaint with Citi 's ERU, Complaint no : XXXX, yet have received no response. At this point, it appears that Citi is engaged in deliberate fraudulent behavior in clear violation of the law and to avoid regulatory oversight. It is astonishingly brazen behavior and it must be rectified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-24 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1400.00}

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 2024-06-24 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: GA

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would really like this account immediately reinvestigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX Account XXXX XXXX In accordance with The Fair Credit Reporting Act, Public la 91-506, Title VI, Section 611, please provide the names and business address of each individual with whom you verified above follow up. Please send me a copy of my credit report after your reinvestigation. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC
State: WA

Complaint narrative:
I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. Before I can engage in any further discussions regarding this matter, I am requesting validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. 
As per the FDCPA, I am entitled to receive validation of the debt, including but not limited to : Documentation proving that the debt collector has the legal right to collect this debt. 
Verification of the amount of the debt and an itemization of how this amount was calculated, including any fees, interest, or other charges applied. 
A complete payment history, detailing all payments made, credits applied, and any disputed charges. 
Disclosure of the original creditors information and any contract or agreement I may have entered into, bearing my wet signature. 
An explanation of how the current balance was determined, including interest rates charged and any other relevant financial information. 
Please note that this request is not a dispute of the debt but rather a request for validation and verification of its accuracy and legality. I am seeking full transparency in order to assess the validity of the debt and my obligations. 
Also, if this debt has been charged off, I am formerly requesting a copy of Form 1099-C for the cancellation of debt associated with my account. Understanding the importance of maintaining accurate and complete financial records, I am kindly requesting that you provide me with a copy of Form 1099-C, which reflects the cancellation of my debt. This document is essential for me to properly address my tax responsibilities and to navigate my current financial situation. 
I kindly request that you provide the requested documentation within XXXX  days from the date of this letter or delete this item from my credit report. Failure to provide adequate validation within this timeframe may result in my legal rights being enforced, including but not limited to disputing the debt and seeking legal counsel. 
Please send all correspondence regarding this matter to the address listed above. 
Thank you for your prompt attention to this request. I look forward to receiving the requested information and resolving this matter amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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:
I HAD TO HARD INQUIRES I ASK EQUIFAX TO REMOVE FROM MY REPORT XXXX XXXXXXXX XXXX DATES XXXX & XXXX UNDER 15 USC 1681 B2 PERMICIPAL PURPOSE YOU CAN NOT LEAVE A HARD INQUIRES ON MY REPORT IF I REQEST FOR THEM TO BE REMOVED I'M PROVIDING PROOF OF THE CURRENT CREDIT PROFILE WITH IT STILL ON THERE AS OF XXXX AND GIVING OUT FALSE INFORMATION IS A VIOLATION I ASK YOU'LL WAS THE INQUIRES WAS REMOVE YOU'LL TOLD IT WAS AND IT WASN'T

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and contest the accuracy of certain account listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. The company sent the statements to the wrong address. I have taken proactive measures to address this discrepancy by contacting the respective company associated with this account. I am pleased to inform you that after thorough investigation, this company have acknowledged the errors and have agreed to update my account and remove the late payments. 

XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-06-24 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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-06-24 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I recently submitted information on a auto loan that I had with Chase. They repossessed the car and updated my XXXX credit reports with XXXX status. 

this auto was repossessed and PAID off through action. I currently do not OWE on this automobile. 

my credit report shows PAID on XXXX and XXXX  on XXXX AND XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code : Individual Individual Individual Account Status : XXXX XXXX XXXX Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$13000.00} {$13000.00} {$13000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
recently I did an investigation on my credit report and found several items on there to be inaccurate. 
under 15 U.S Code1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

U.S Code1681i ( 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- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation, and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
please remove the following items from my credit report immediately. 
( XXXX ). XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Thank you for addressing some of the incorrect items on my file. However, there are still remaining items that need to be removed. According to FCRA section 605, you are required to remove any items listed in an Identity Theft Report. I am providing Identity Theft Report # XXXX. Under FCRA section 605B ( a ) ( 1 ) ( 2 ), you must remove any incorrect information from my file within XXXX business days of receiving : ( 1 ) appropriate proof of my identity; and ( 2 ) a copy of the identity theft report. Please ensure the removal of the following items : Equifax : XXXX XXXX XXXX XXXX XXXX XX/XX/year> -- -- -- -- -- XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$450.00}. I do not consent to XXXX or any automated verification methods. I expect your immediate attention to this matter and a response within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
They are reporting XXXX accounts that does not belong to me. XXXX XXXX XXXX account number XXXX and Credit Collection Services account number XXXX. I have never done business with either of these companies. They do not have permissible purpose or any type of court order to be reporting anything on my credit report. That is against the law. they are also reporting a past due balance on a collection account which is inaccurate. How can a collection have a past do balance? After numerous failed attempts to get them to send me the documents they use to verify these accounts. It's been way past XXXX days. I have no choice but to seek further legal action. I know I have never signed any agreement or contract with either of these companies nor have i done any type of business with them. They are violating numerous laws of my consumer rights by reporting these accounts and something must be done because this is affecting my life and the way I live. This is preventing me from having a place to live and provide for my family.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
They are reporting XXXX accounts that does not belong to me. XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX. I have never done business with either of these companies. They do not have permissible purpose or any type of court order to be reporting anything on my credit report. That is against the law. they are also reporting a past due balance on a collection account which is inaccurate. How can a collection have a past do balance? After numerous failed attempts to get them to send me the documents they use to verify these accounts. It's been way past XXXX days. I have no choice but to seek further legal action. I know I have never signed any agreement or contract with either of these companies nor have i done any type of business with them. They are violating numerous laws of my consumer rights by reporting these accounts and something must be done because this is affecting my life and the way I live. This is preventing me from having a place to live and provide for my family.

Company response to consumer: Closed with non-monetary relief