vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Since XX/XX/2021 to present XXXX has failed to investigate XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX acct ending in XXXX and XXXX. Transunion has failed to investigate XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX and XXXX XXXX  which has been paid off and the receipt showing this has been attached. Lastly XXXX has failed to investigate XXXX XXXX, XXXX XXXX acct ending in XXXX and XXXX. This is ridiculous and this need to be deleted as of now, because you have passed the timeframe allowed and no mail was returned back to me so I know that these disputes have been received. Please remove this inaccurate and unverified information from my credit profile immediately. I would hope that you would have more respect for the FCRA and not continue to be in violation of their guidelines. Attached are my disputes that were previously sent and proof of Identity. Please consider this my written authorization to investigate this matter. 

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 explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Since XX/XX/2021 to present XXXX has failed to investigate XXXX XXXX XXXX  XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX acct ending in XXXX and XXXX. XXXX has failed to investigate XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX and XXXX XXXX which has been paid off and the receipt showing this has been attached. Lastly Equifax has failed to investigate XXXX XXXX, XXXX XXXX acct ending in XXXX and XXXX. This is ridiculous and this need to be deleted as of now, because you have passed the timeframe allowed and no mail was returned back to me so I know that these disputes have been received. Please remove this inaccurate and unverified information from my credit profile immediately. I would hope that you would have more respect for the FCRA and not continue to be in violation of their guidelines. Attached are my disputes that were previously sent and proof of Identity. Please consider this my written authorization to investigate this matter. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
I REQUESTED CANCELLATION OF The 30-day TRIAL SUBSCRIPTION ( to an Online Graphic Design Course I had signed up for on XXXX ) MANY TIMES ( by Email, Online, and by Phone ) PRIOR TO THE EXPIRATION DATE OF THE TRIAL, XX/XX/XXXX, WHICH XXXX never ( failed or refused to confirm ) confirmed ; Subsequently, they charged my ( former ) Visa ending XXXX {$69.00} on XX/XX/XXXX, and CONTINUED TO CHARGE ME {$69.00} EACH TIME FOR ( XX/XX/XXXX, XX/XX/XXXX ) even After I filed Disputes with my Bank about the Unauthorized Charges and DESPITE MY CONTINUING COMPLAINTS to them by email and online about their Billing me in Bad Faith UNTIL I FINALLY GOT A REPLACEMENT VISA THEY COULDN'T CHARGE ( Which My Bank Should have done for me immediately after I filed my 1st Dispute on XX/XX/XXXX of the 2nd Unauthorized Charge on XX/XX/XXXX Or Even After I Filed my 2nd Dispute on XX/XX/XXXX, About the Last Unauthorized Charge on XX/XX/XXXX, ) AFTER I REQUESTED A NEW ONE WITH MY 3RD DISPUTE FILED ON XX/XX/XXXX ; ; ( Which was Actually About the 1st Unauthorized Charge to have occurred on XX/XX/XXXX, but which I hadn't discovered until I had already filed the 2nd Dispute about the 3rd charge! ) ; Furthermore, REGARDLESS OF MY BANK 'S RECENT DENIAL OF MY CLAIMS and Resulting Reversal of the Provisional Credits they had Previously Granted Me Which Was Done Without Any Notice ( s ) /Reason ( s ) for their/My Bank 's Disapproval, Thereof, I AM NOT legally, financially, or otherwise RESPONSIBLE FOR THE {$200.00} CHARGES SUBMITTED TO MY BANK IN BAD FAITH/Fraudulently/Without Authorization As Described Herein, SO I AM THEREFORE SEEKING RECOVERY of the full amount OF {$200.00} FOR AFOREMENTIONED UNAUTHORIZED CHARGES BE RETURNED TO ME personally or refunded/credited back to my Chime Checking Account ending XXXX As Soon As Possible BY EITHER OR BOTH of the Other 2 PARTIES To This Complaint WHO/WHICH ARE or Were Legally RESPONSIBLE. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: PA

Complaint narrative:
I have a Hard Inquiry from XXXX ( Utilities and Fuel ) done on XX/XX/XXXX. I did not apply for a credit card or phone with XXXX. 
on XX/XX/XXXX, following the identity theft plan from the Federal Trade Commission FTC Report # XXXX, i called XXXX fraud department at XXXX and the agent ran my social security number XXXX and found No records of myt social security number appling for a cc or phione service. There was no application regarding my social security number. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX 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 2021-07-08 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: Continental Finance Company, LLC
State: PA

Complaint narrative:
I have a Hard Inquiry from XXXX ( Utilities and Fuel ) done on XX/XX/XXXX. I did not apply for a credit card or phone with XXXX. 
on XX/XX/XXXX, following the identity theft plan from the Federal Trade Commission FTC Report # XXXX, i called XXXX fraud department at XXXX and the agent ran my social security number XXXX and found No records of myt social security number appling for a cc or phione service. There was no application regarding my social security number. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX 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 2021-07-08 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: PA

Complaint narrative:
I have a Hard Inquiry from XXXX ( Utilities and Fuel ) done on XX/XX/XXXX. I did not apply for a credit card or phone with XXXX. 
on XX/XX/XXXX, following the identity theft plan from the Federal Trade Commission FTC Report # XXXX, i called XXXX fraud department at XXXX and the agent ran my social security number XXXX and found No records of myt social security number appling for a cc or phione service. There was no application regarding my social security number. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX 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 2021-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I am XXXX XXXX XXXX with ID XXXX, mail XXXX and I have a cryptocurrency account in the COINBASE company. I have been with my account blocked for months and I can neither carry out operations nor withdraw money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-08 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: NC

Complaint narrative:
XXXX XXXX DEBT COLLECTOR DID NOT PROVIDE HIPAA RELEASE to be able to collect on this debt. I will proceed with legal action seeking monetary damages for the consumer rights violated if this is not removed from my consumer report within 30 days. You as a consumer reporting agency are civilly liable for reporting this unauthorized information. Please do your job and remove all negative medical accounts on these consumer reports. 
All accounts attached to XXXX XXXX 

I would also like to receive a copy of how you all validated the listed debts here. I reached out to the companies myself and they did not fully validate each debt PURSUANT TO 15 USC 1692g ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). IF THE COMPANIES DID NOT SUPPLY YOU WITH THIS COMPLETE INFORMATION, THEN IT NEEDS TO BE REMOVED BY LAW. 

Accounts ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 2021-07-08 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: NC

Complaint narrative:
XXXX XXXX DEBT COLLECTOR DID NOT PROVIDE HIPAA RELEASE to be able to collect on this debt. I will proceed with legal action seeking monetary damages for the consumer rights violated if this is not removed from my consumer report within 30 days. You as a consumer reporting agency are civilly liable for reporting this unauthorized information. Please do your job and remove all negative medical accounts on these consumer reports. 
All accounts attached to XXXX XXXX. 

I would also like to receive a copy of how you all validated the listed debts here. I reached out to the companies myself and they did not fully validate each debt PURSUANT TO 15 USC 1692g ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). IF THE COMPANIES DID NOT SUPPLY YOU WITH THIS COMPLETE INFORMATION, THEN IT NEEDS TO BE REMOVED BY LAW. 

Accounts ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ashner Group Inc
State: LA

Complaint narrative:
This company is reporting debt on my credit report and I am unaware of the account. I have communicated with them VIA MAIL and asked them to dispute the unauthorized accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
My information was leaked from a breach with my doctors office. I received a recent notification and then I looked closer at my report & noticed that there have been a lot of request that someone made attempting to open accounts in my name that I did no give them my permission to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid 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: NY

Complaint narrative:
I was a victim of fraud by a merchant who defrauded me with false pretense. this merchant went by 2 names, one being XXXX, and the other XXXX. After dragging and dragging, the merchant agreed to Im owed a credit and promised to refund 90 %. I agreed to 90 % to settle the matter after the merchant claimed he had some expenses and there he claimed I agreed to a 10 % non-refundable fee. In any event, in order to avoid further dispute, I agreed to settle for 90 %. The merchant provided confirmation in writing. I reported this issue to American Express but they denied credit reversal without merit. This is unacceptable. If American express understands the merchant was fraud, thats exactly my problem. Why reward the fraud merchant and leave me hanging without recourse? I demand American express to collect these refunds owed and to refund my account without any further delay. Please also review the letter from my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: CA

Complaint narrative:
On XX/XX/21, I placed a phone call to IQ Data International Inc to discuss the information reported on my credit report. I requested to have a bill mailed to me since I have never received any type of written documentation from this company. XXXX, the manager, informed me I owed more than the amount listed on my credit report, to which I again requested something in writing. I stated I want something in writing so I can MAIL my payment and he still refused and stated that I have to make a payment over the phone. He was very rude and made it very clear he was not going to make it easy to pay off this debt. I requested all communication be through Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax refuses to remove an address that does not belong to me. It is fraudulent. 


Remove XXXX. XXXX XXXX XXXX SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: IL

Complaint narrative:
i did not authorize these inquires on my report ive aldready tried to solve this problem with the creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
Amerisave is my mortgage company and servicer as of XX/XX/XXXX when I refinanced. It failed to pay my hazard insurance policy semi-annual premium of {$670.00} requested by XXXX XXXX. XXXX XXXX indicates that it billed Amerisave for mortgage insurance on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In early XXXX, I received notice that subservicing was transferred and I had a new loan number. I called up the insurance company and provided the new subservicer and new loan number. I called the Amerisave number and employee indicated premium would be paid. On XX/XX/XXXX, the insurer billed XXXX. I left to messages on Amerisave secured mail site to no avail. In XXXX, I received notice of cancelation of policy from XXXX XXXX. I called up Amerisave and made them call XXXX XXXX. XXXX XXXX said it refused to reinstate policy even if amount due was paid immediately. 

I then obtained a new policy from XXXX ( through XXXX  ) with an annual premium of {$880.00} ( {$210.00} more ). I also was charged {$200.00} for partial period of insurance with XXXX XXXX that I have paid out of pocket. I also received a letter from Amerisave ironically telling me that they knew that my policy had been canceled and I was required to have a policy in place. 

The {$880.00} was paid from escrow for XXXX 's policy in XXXX, upon information and belief, by sub-servicer XXXX. 

In XXXX, I spoke to supervisor of insurance dept. of XXXX ( XXXX ) to request relief for increased premium due to failure to pay. He indicated that XXXX only received sub-servicing in XXXX and that blame laid with Amerisave, not XXXX. He provided me a number to call at Amerisave and he gave me old loan number to provide ( XXXX option XXXX ). XXXX did not offer to reimburse me {$200.00} premium due XXXX XXXX out of my escrow account for original hazard insurance policy. 

I called and did not receive a live employee. I left a message for Amerisave about the situation. I never received a call back.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: CITIBANK, N.A.
State: CO

Complaint narrative:
In XXXX of 2020, Citi bank reported I had a late payment. They removed my account from auto pay without notice. I immediately called in and paid the {$34.00} balance as well as the remaining amount of over {$2000.00} in a good fath gesture. XXXX updated my report and removed the late payment remark. XXXX and XXXX refuse to assist me and remove it from their reports. I have multiple Citi Card accounts and have made payments to them over the last year over {$30000.00} without being late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Someone accessed my online Chase checking account and opened a fraudulent checking account under my name. This account was created in New York in XX/XX/2021, had correspondence sent to NY, and was hidden from my online banking homepage, so I was not aware it was opened. My address was changed to a NY address. I live in Florida and did not visit or authorize anyone in NY to do this. In early XX/XX/2021, I received a text to confirm if I had made a purchase. I replied " no '' and was told by the automated text reply I had already replied when I had NOT. This prompted me to login to my Chase account. This person fraudulently transferred {$5800.00} into the hidden account. They then withdrew {$3000.00} and then an additional {$1000.00} in NY as well as {$25.00} and {$12.00} withdraws. They then went to a XXXX XXXX in New York and spent {$1300.00}. I DID NOT AUTHORIZE ANY OF THESE PURCHASES AND DID NOT WITHDRAW FROM THE ATMS. I WAS IN FLORIDA, WHERE I LIVE, AND THESE FRAUDULENT CHARGES OCCURED IN NEW YORK. I called Chase and have done so multiple times since this occured and they have been no help. I went to multiple Chase banks to speak with advisors and little progress was made. I have been going to the bank to work on this since XXXX. Their staff has been of little help. I filed a police report which is attached. 
I have spent nearly two months now at Chase and on the phone with their customer service to no avail. Chase informed me their investigation showed no fraud occured. I appealed this, as fraud did occur. I had money stolen from me and DID NOT MAKE THESE TRANSFERS INTO AN ACCOUNT I DID NOT OPEN OR AUTHORIZE. On a letter dated XX/XX/2021 Chase informed me that my appeal had been denied. This is wrong. I never authorized the fraudulent account to be opened and had my money stolen from me due to Chase 's negligence of letting a criminal open an account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: NV

Complaint narrative:
Fraud accounts were opened with my social security number. I've went to every measure to have these accounts removed from my report including contacting the Nevada Attorney Generals office because XXXX XXXX refused to remove the account from my credit report. I have requested documentation from the from the company proving that the account did indeed belong to me but i was denied because of verification!! Obviously because it doesn't belong to me but now I don't know where to turn fighting this corporate giant and have them remove this account off of my credit. 3 Credit Bureaus removed the account from my report as of XX/XX/2021 but XXXX reported the fraudulent balance once again and it is back on my on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: WA

Complaint narrative:
I was chime custoner last week i was supposed to undergo a XXXX and buy my medical bills.i wake up in the morning i notice my account was close by chime and i was not eligible for refund.despite the fact i emailed them more than 20 time. They kept ask to provide docunents. And wait 48h. I spend more than 4 days without any money since chime was my primary account. And there is not way to call the review department you need to wait for them to respond to your emailed some day i spend my entire day to wait for them to respond. And see if they will get my money back. I would like to file lawsuit against them but i m a low income person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: IL

Complaint narrative:
there are fraudulent inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus

Company response to consumer: Closed with explanation