vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/year> I ordered XXXX XXXX, totalling {$61.00}, for my family. XXXX was in charge of delivering our order even though I ordered our food directly through the XXXX XXXX app. When the XXXX driver arrived to deliver the food, I immediately noticed something was wrong. We ordered a lot of food and the driver only had XXXX bag that had no delivery seal over it. I immediately asked the driver about the amount of food and he claimed that when he arrived they were looking over the order to make sure everything was correct so he assumed it was. Upon checking my order I found all of our food was in fact NOT delivered. We were missing a lot of food and it was obvious that the XXXX driver stole some of our food. I contacted XXXX and they setup for the entire order to be re-delivered because of our order missing items and the unsanitary nature of thr DoorDash driver going into our food bags to steal the food. I also putbin a complaint against the driver. When the XXXX XXXX driver arrived at XXXX to pick up our order, none of it was ready. When I was speaking with the driver on the phone and he was relaying information and questions, the XXXX XXXX workers claimed they never received a transmission to redo the order and they couldn't re-make it. The XXXX XXXX driver apologized and suggested I contact XXXX for a refund. I contacted XXXX for a refund, however they could not refund me because they did not take the payment. I reached out to XXXX XXXX several times that evening. There was no customer service phone number provided and on their app the only form of contact provided is email. I sent them several emails regarding what happened and they only offered {$15.00} off our next order. This was unsatisfactory being that more than {$15.00} worth of food was stolen and we couldn't eat any of the food being that the XXXX  driver went into our bag of food. I let them know I would be disputing the transaction with my bank, CHIME. I disputed the transaction immediately upon it posting. Chime has denied this dispute twice. The first time it was denied, they claimed it was because of the reason I selected for the dispute. The representative suggested to me to change the reason for the dispute and resubmit it, which I agreed to did and did. They then denied my claim for a XXXX time. I provided all of the information they requested, including screenshots of communications. I submitted a complaint against them via the XXXX  and they still continue to deny me of my funds that I have every right to and they are legally obligated to protect. They claim they did an investigation, which simply isn't true. If they did an investigation then I would have my money back in full. My food was stolen. My money was stolen. I AM THE VICTIM! This has done nothing but caused emotional and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal and repeated requests, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal and repeated requests, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a clear violation of my rights under the FCRA.

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 2024-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I have sent two notices to this company. Per 15 USC 6802, I as the federally protected consumer have opted out of all communication with this company. I never contracted with this company. They have obtained personal information and invaded my rights per the Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I recently opened an account with Wells Fargo and learned I was a victim of identity theft. I am newly XXXX XXXX XXXX, and there were numerous accounts from years ago that I never opened. 
I left my phone and card at XXXX in XXXX and had to call Wells Fargo. I ended up not using that card because it was embarrassing to have my newly funded card decline at the store with a cart full of groceries. I called them, and they unlocked it ( XX/XX/year> at XXXX am ). Then, someone took my PIN, phone, and card and went on a shopping spree in downtown XXXX on the same day at a different XXXX ( XXXX minutes away from where I live ) with my card. I checked my banking app that night and saw the transactions. 
I filed a dispute with Wells Fargo and also tried to give them my police report, but today I got an email saying they determined no error occurred ( XX/XX/year> at XXXXXXXX XXXX ). 

Transactions : On XX/XX/year> someone used my Wells Fargo debit card to buy multiple '' Lyft Ride '' ( XXXX, XXXX ), " XXXX XXXX 's '' ( XXXX, XXXX ) and XXXX Grocieries ( 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 monetary relief
Consumer complaint received 2024-07-16 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: PA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through 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 2024-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on XXXX. I received a response stating that the accounts were verified on XXXX I am formally requesting a description of the procedure your bureau used in providing all information to the original credi in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. 
XXXX I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
XXXX XXXX XXXX ( Original creditor : XXXX At XXXX XXXX SC ) XXXX : XXXX XXXX. XXXX XXXXXXXX Account # : XXXX Amount : {$140.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount : {$13000.00} XXXX. XXXX XXXX ( Original Creditor : XXXX Place Apartments ) Account # : XXXX Amount : {$4300.00} XXXX. XXXX XXXX XXXX XXXX XXXX ( Original Creditor : Progressive ) Account # XXXX Amount : {$860.00} Per the FCRA you are required to provide this information within 15 days or delete the negative items 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 non-monetary relief
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
I am filing a formal and urgent complaint against XXXX regarding their obvious disregard for the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has severely damaged my credit score and financial standing. This has caused me significant hardship, including difficulties in obtaining credit, higher interest rates, and considerable stress and frustration. The irresponsible actions of XXXX have resulted in undue harm to my financial reputation and stability.

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 2024-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
I disputed the charges twice as they are not related to us. However, it has created negative effects so I paid the debt directly to XXXX XXXX. This debt was settled with XXXX XXXX and Bull City Financial is still trying to collect the debt. The payment confirmation numbers are XXXX and XXXX. 

Bull City Financial Solutions refuses to accept the debt is paid. 
Address : XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: MN

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX. I want the items listed in my attachments deleted from my credit reports effective immediatley. I will also be attaching proof of XXXX admitted that I was in fact a victim of this Data Breach and XXXX has done nothing but lower my scores and hurt my ability to obtain credit by consistently reporting false information. Please helpl me delete these illegal accounts from my consumer report.I will also attach the recent FTC REPORT : XXXX. [ XXXX XXXXXXXX XXXX XXXXXXXX ] - [ XXXX ] XXXX. [ XXXX XXXXXXXX ] - [ 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 non-monetary relief
Consumer complaint received 2024-07-16 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: MN

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX. I want the items listed in my attachments deleted from my credit reports effective immediatley. I will also be attaching proof of XXXX admitted that I was in fact a victim of this Data Breach and XXXX has done nothing but lower my scores and hurt my ability to obtain credit by consistently reporting false information. Please helpl me delete these illegal accounts from my consumer report.I will also attach the recent FTC REPORT : XXXX. [ XXXX XXXX BANK XXXX ] - [ XXXX ] XXXX. [ XXXX XXXXXXXX ] - [ 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 2024-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I hope this message finds you well. I am writing to formally appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. 

I believe that this limitation has been applied in error, and I respectfully request that PayPal re-investigate my case. I have carefully reviewed the PayPal User Agreement and policies, and I am confident that I have not violated any terms or engaged in any prohibited activities. 

My account has always been used in compliance with PayPal 's guidelines, and I am committed to maintaining a positive relationship with your platform. Therefore, I kindly ask for a thorough re-evaluation of my account status. 

I would be grateful if you could restore my account if the investigation confirms that there were no violations. Your understanding and assistance in this matter would be greatly appreciated. 

Thank you for your attention to this request. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
I am filing a complaint against XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Account Name : XXXX Account # : XXXX XXXX XXXX : {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
I am filing a complaint against XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Account Name : XXXX Account # : XXXX Balance Owed : {$2000.00}

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 2024-07-16 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-07-16 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 deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
It is over 3 months cashapp has been tell me my account has suspended and they have not resolved the problem I have cash I need to withdraw from the account and can't I am not working and need my cash. I am being push in circles I also tried Clos the account but to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
I am filing a formal and urgent complaint against XXXX regarding their obvious disregard for the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has severely damaged my credit score and financial standing. This has caused me significant hardship, including difficulties in obtaining credit, higher interest rates, and considerable stress and frustration. The irresponsible actions of XXXX have resulted in undue harm to my financial reputation and stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
I am filing a formal and urgent complaint against XXXX regarding their obvious disregard for the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has severely damaged my credit score and financial standing. This has caused me significant hardship, including difficulties in obtaining credit, higher interest rates, and considerable stress and frustration. The irresponsible actions of XXXX have resulted in undue harm to my financial reputation and stability.

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