vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am writing to address the ongoing issue regarding my refund of {$2800.00} related to claim number # XXXX with my Chime account that is protected by XXXX XXXX XXXX XXXXXXXX. ON XX/XX/year>, I received documents that Chime uploaded from the merchant that are completely inaccurate and fail to provide any evidence disproving my claims, which are indeed valid. The report erroneously states that I am disputing only {$100.00}, whereas I am actually disputing the full amount of {$2800.00}. 
Furthermore, Majority of the evidence I submitted to Chime was not forwarded to the merchant, and Chime did not complete my intake form correctly. 
The service I expected to receive was a lease takeover for an apartment advertised by XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX I transferred {$2800.00} from my CHIME bank account to my CXXXX XXXX  account on XX/XX/XXXX and XXXX, 2024, to send to $ XXXX as instructed by XXXX XXXX via XXXX for a move-in date of XX/XX/year>. 
I made XXXX transactions from my Chime account : {$2000.00} and {$200.00} on XX/XX/XXXX, and {$200.00}, {$100.00}, and {$340.00} on XX/XX/XXXX to send to XXXX XXXX totaling {$2800.00} for this apartment lease takeover. 
From my XXXX XXXX balance, funded by my Chime account, I sent XXXX XXXX {$2200.00} on XX/XX/XXXX and {$300.00} and {$340.00} on XX/XX/XXXX, totaling {$2800.00}. 
I do not know XXXX XXXX personally ; I was simply instructed to send him the money via XXXX XXXX  which Ive already uploaded that proof/documents to Chime multiple times. 
Ive provided all accurate information proving this was a theft of service and that I never received what I paid for. Chime has the active police report and all evidence. 
I do not feel comfortable that Chime Financial , Inc. is hiding information from the merchant and the disputes amount are not correct and theyve also submitted falsely information. This huge error is suspicious which makes me believe Chime is illegally denying my disputes and hiding information from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
MY PERSONAL INFORMATION WAS STOLEN XXXX  AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILTY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-05-08 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:
MY PERSONAL INFORMATION WAS STOLEN XXXX  AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILTY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: IL

Complaint narrative:
Here are a few credit inquires on my report that I do not recognized : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 this inquires was reported on my credit report without my permission and was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year> I submitted a dispute for reinvestigation for : XXXX XXXX XXXX 
This account is unverified and is incomplete and inaccurate. 

Experian failed to verify and validate the accuracy of the account, failed to submit proof of methods of verification within 30 days, and failed to notate the account as under dispute. 

This unverified account is reported on my Experian Credit Report in violation of : U.S Code 1681i -Procedure in case of disputed accuracy " any information that can not be verified. The consumer reporting agency shall promptly delete that information from the consumer file. 

Experian failed to uphold its duty to provide notice of dispute in violation of U.S Code 1681-2 ( 3 ) - Failed to notate the account as in dispute. 

I demand Experian delete the account immediately or I will seek to sue under 15 USC 1681n -for willful Noncompliance and negligence

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 2024-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I opened a secure loan purchasing a bedroom set XXXX XXXX XX/XX/XXXX '. The loan was originally held XXXX XXXX XXXX who since sold the account to Concora Credit as of XX/XX/XXXX '. Since the buy out Concora has been billing me w/o properly reconciling my account with XXXX XXXX. My Concora statement do not display what y true balance is as though the account is a 0 % promotion for 12 months. Several occasions representatives told me that i would need to call the next billing cycle ( XX/XX/XXXX ' ) in order to get the view the account payment history and for the account to be reconciled. I called in XX/XX/XXXX ' and again was told that all the information from previous lender has not yet been accounted for and i would need to call back on the next billing cycle ( XX/XX/XXXX ' ). After receiving the new statement, my statement still does not display what my true balance is. It's only displaying what my balance " would be '' if interest is applied. At that point on XX/XX/24 i called again and asked for a payoff amount. The phone system provided me a payoff that included " would be '' owed interest. The amount that was verbally provided was {$2000.00}. I requested the set amount in writing and was denied. I was then assured that once the payment was made my next billing cycle ( XX/XX/XXXX ' ) would reflect XXXX balance. However that was not the case. I called again XX/XX/24 at which point was provided a different payoff amount then what was previously stated. I again requested payment history to which they were unable to provide because they still have to reconciliate the account. At this time, I'm unable to see proper payment history through their website and when contacting them, they were unable to provide the data. Was advised that investigation can take 60 days and account would remain active during this time. As a consumer, I've had to manage this account in depth and have not been provided any data or confidence from the current lender on their management of the account. As a result, i'm now having to submit this official complaint and hope this agency can provide the proper assistance that has lacked from the lender. They should consider the account squared away and take accountability for their lack of management and false statement of this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.

Complaint narrative:
I closed my Citibank account over the phone because I no longer live in the US. I gave the new details of my Australian address explaining that I no longer live in the US. I had tried to update the address online but this was not possible. The amount of approximately {$640.00} was to be sent to me as a cheque. It has never been remitted to me and I am unable to speak to anyone to confirm where and when the money was sent. 

When I have tried to reach Citibank the touchstone service does not enable me to progress the call because it says 'account details are not recognised '. I have tried with my card, with my Social Security number and my tax ID but get the same response. 

Eventually I called the Branch directly. A woman gave me the name of the XXXX XXXX, XXXX XXXX, and reassured me we would call me. I explained I lived in Australia and she indicated that was fine, she would give him my number. I have never heard from him. I have tried calling the branch every day and more than 30 times and the message says all staff are with clients and puts me through to the touchtone service, which of course says my details can not be found. 
It has been impossible to speak with anyone further about this matter.

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 2024-05-09 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: TX

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-05-09 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: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: FL

Complaint narrative:
I just reveiwed my credit profile for the first time and noticed unathorized inquiries and accounts that do not belong to me. I dont use credit and I am trying to figure out why there is inquriies and accounts that are not mine, this is causing me a lot of stress please help in removing this. I have served the country and its fustrating to go through this. XXXXXXXX XXXX - XXXX - Not mine 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX - Not mine 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Not mine15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX XXXX - 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX- Not Mine 15 U.S. Code 1681b - Permissible purposes of consumer reports INQUIRIES NOT MINE- XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-05-08 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: FL

Complaint narrative:
I just reveiwed my credit profile for the first time and noticed unathorized inquiries and accounts that do not belong to me. I dont use credit and I am trying to figure out why there is inquriies and accounts that are not mine, this is causing me a lot of stress please help in removing this. I have served the country and its fustrating to go through this. XXXXXXXX XXXX  - XXXX - Not mine 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX - Not mine 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Not mine15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX XXXX - 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX- Not Mine 15 U.S. Code 1681b - Permissible purposes of consumer reports INQUIRIES NOT MINE- XXXX  XXXX XXXX XX/XX/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 XXXXXX/XX/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 2024-05-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XX/XX/2024 I attempted to use an atm, I was trying to withdraw {$400.00}, the atm lagged, gave me an error message, then the display said amount requested {$400.00} amount dispensed {$0.00}. Initially, Id assumed maybe Id reached my daily limit, so I tried again, but at {$300.00}. Same delay, same error message, then again amount requested {$300.00} amount dispensed {$0.00}. Immediately I pulled up the Serve app to make sure there was enough funds available ( I had just received my tax refund, so that wasnt the issue ), but I noticed my account had been charged/debited the {$400.00} + atm fees, and the {$300.00} + atm fees. So I tried to contact Serve. Apparently since I NEVER received my personalized card, I have no way to speak to anyone or further my complaint thru the app or website or anything. I then tried again to reorder a personalized card as I never received it, but Im unable to because I already requested one months ago. 

Initially I was hoping maybe they would realize the error by the following Monday ( I believe it was a Saturday ), but nothing happened. Ive tried several times to contact Serve to no avail. Ive also contacted XXXXXXXX XXXX XXXX as that was the location of the atm I was using, via telephone at their corporate office 2x, via email to the owner of the company, and via their websites contact us feature. Including my name, phone number, email etc and letting them know my situation, even telling them Im just trying to cover my bases if they have any documentation of the atm transactions and then realizing that {$700.00} was not dispensed, either to prove to Amex or whatever. 

On XX/XX/2024, I sent a handwritten letter to the address listed on Amex Serves website for any dispute ( since I cant speak to a real person ), sent certified mail I have the receipts, but it was apparently only picked up today ( as I received the confirmation email this morning ). 

Thank you for your time and any help you can provide

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: IA

Complaint narrative:
GOT A EMAIL SAYING SOMEONE APPLIED FOR A DESTINY CREDIT CARD, NO CARD EVER CAME TO MY ADDRESS, THEN I GOT AN EMAIL SAYING I APPLIED FOR CREDIT CARD PROTECTION. 
I DON'T KNOW THE DATE OR THE AMOUNT BECAUSE I NEVER APPLIED FOR THIS CARD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: GA

Complaint narrative:
I have tried to remove these unauthorized inquiries report repeatedly and am not getting the help or results I need. I have submitted FTC reports, police reports, and called Equifax over and over while their representatives lie to me and tell me that they will be removed in 24-48 hours with no results to show even weeks later. These fraudulent inquiries are holding me back from moving and improving my credit score. Please help me as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-08 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: William D. Meeker Enterprises, Inc.
State: NY

Complaint narrative:
I contact each credit agency concerning these hard inquires that were placed on my credit report. I haven't received any response. not only were they unauthorized but also unverifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: U.S. BANCORP
State: NY

Complaint narrative:
I contact each credit agency concerning these hard inquires that were placed on my credit report. I haven't received any response. not only were they unauthorized but also unverifiable

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 2024-05-08 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX C XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 non-monetary relief