vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I XXXX XXXX is a natural person who granted to Open a Deposit Account with the XXXX XXXX  on Behalf of Chime Financial. I was incompetent when entering this contract and come to find out about a Security interest that was granted by not knowing at the time created another account with interest. I granted them credits and been trying to transfers the conveyance of my principal and the company Chime Financial is not disclosing to me the rights of my security interest. I have proof in the disclosures that was inside of the Chime Financial app. I evoke my rights as the natural person who granted the credit of interest thats obligated to me. On XXXX XXXX XXXX disputes Unauthorized transactions to XXXX XXXX XXXX  who is a member of the FDIC on behalf Chime Financial and was denied twice of my Insurance rights. I sent in proof and time was waisted due to the company not providing remedies nor updates. 

This company has violated and are breaking the law 16 CFR Subsection 444.3

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
XXXX XXXX XXXX, account # XXXX, amount of {$8200.00} reported on XX/XX/2022 XXXX XXXX XXXX, account # XXXX, amount of {$16000.00} reported on XX/XX/2022 XXXX XXXX  amount of {$690.00} reported on XX/XX/2022 XXXX XXXX  XXXX XXXX of {$3600.00} reported on XX/XX/2022 in accordance with the fair credit reporting act convergent account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX, account # XXXX, amount of {$8200.00} reported on XX/XX/2022 XXXX XXXX XXXX, account # XXXX, amount of {$16000.00} reported on XX/XX/2022 XXXX XXXX amount of {$690.00} reported on XX/XX/2022 XXXX XXXX XXXX amount of {$3600.00} reported on XX/XX/2022 in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
My statement that was closed on XX/XX/2022 had a balance of - {$400.00} which I requested to be transferred to my bank account. The credit came back to my account and my balance was {$0.00}. 

But, Citi charged me {$400.00} again on my account on statement that closed on XX/XX/2022. This negated my {$400.00} that was supposed to be sent back to my account. 

I have called Citi 5+ times and talk to manager and explained this situation and they have agreed every time that Citi is incorrect and they owe me {$400.00} and they always escalate this and open a case to request my money back to my card. Every time I was told to wait 5-7 business days and {$400.00} would be deposited to my account but not a single time there words were true. All calls were recorded so I request that they provide the call logs and all details that were discussed on the calls. 

I would like Citi to pay me my money back as soon as possible! 

I am tired of going back and forth with them. Please help me.

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 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I am a protected citizen with a XXXX XXXX I am XXXX. Wells Fargo was asked by me to add a POA to my checking account for in case of an emergency only and with only written consent to authorize a transaction for y XXXX children. Instead the wells Fargo employee decided I should add a joint owner to my account i clearly stated that at no point am I authorizing any use of the account as she would require written consent from e in the case of an emergency and I was hospitalized and needed a transaction are to help my children to this day I have still never authorized any transaction. 
I do not check my account because I have direct deposit of my XXXX check and my work paycheck and I barely utilize my account and so I have just been trying to save enough money to buy a home. On XX/XX/XXXX I called customer service at Wells Fargo and was told my balance my account was almost {$50000.00} less than what it was supposed to be. They informed me that the person that they added to the account had made transactions since XX/XX/XXXX all of which I did not authorize because there has been no emergency. I disputed over 300 transactions and had to file 4 seperate case numbers for each type of transaction and a police report and a claim dispute on the wrongful doing of them adding her as a joint owner instead of a poa which is what I requested to begin with and them doing so without me having legal representation present due to my XXXX which is required putting me at risk. I then filed a police report. Wells Fargo came back and told me that because she was a joint owner on the account they would not reimburse me for any of the disputed charges. I contacted an attorney who informed me that due to Oregon State law wells fargo legally had to have a legal representative present with me to ever add anyone to my account due to my XXXX status and the risk of me being financially exploited and abused financially which is in fact exactly what happened. And the attorney said that they have to reimburse all of the funds to me because I am the one with direct deposit to the account and so that is my money and it is government XXXX money at that which is not for anyone else 's use but my very own regardless if they are on the account as a joint owner. The attorney also stated that due to my XXXX  XXXX they are mandated to protect me from financial exploitation and fully reimburse me and then go after her for the full amount due and criminally prosecute her.

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 2022-09-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a CD online with Citi on XX/XX/XXXX for {$5000.00}. When I tried accessing my account online which I created during CD registration/application, it has error. It's now XX/XX/XXXX. I've called Citi customer service at least 5 times on different days and they keep saying different things. I also don't know my account number because they wouldn't mail me a letter containing it until after a month.

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 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX I make a cash deposit of {$2500.00}. The machine took my money without crediting my account. I made a complaint the same day and a week later they closed the claimed and said I can not be paid. I would like to request surveillance footage of the deposit as I made the deposit and should be paid {$2500.00}.

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 monetary relief
Consumer complaint received 2022-09-10 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
after several attempts to get the accuracies corrected across all three bureaus sending certified letters the only answer i get in return is verified the account is in dispute but isn't flagged for dispute balance owed is way higher than the high balance and no-one can tell me how or why

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
after several attempts to get the accuracies corrected across all three bureaus sending certified letters the only answer i get in return is verified the account is in dispute but isn't flagged for dispute balance owed is way higher than the high balance and no-one can tell me how or why

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
These accounts are closed, they also are showing incorrect dates, and dates are not consistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account Name : XXXX XXXX BANK Account Number : XXXX Reference : Remove Late Payment XX/XX/2020 XXXX Credit Bureaus are reporting inaccurate information to my Consumer Report 2. I have disputed multi times and account is not updated 3. I have submitted certified documents to show inaccurate information 4. CRA are not complying with FCRA law 15 USC 5. I have contacted original creditor. 
6. They have stated that corrected information was submitted to XXXX, a third party Credit Reporting Agency that reports to Experian, XXXX, and XXXX. 

7. XXXX is one of the CRA who is reporting inaccurate, incomplete, unverified, information to my consumer report. 
8. The FCRA Law states that no Transactions or Experiences shall be reported on a consumer report [ FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ] This has caused me severe stress, defamation, and my ability to obtain credit.

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 2022-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
hello paypal, please help me with my issue. issue happend between ( XX/XX/XXXX to XX/XX/XXXX of 2022 ) I am report Unautorized access to my account XXXX. 
All my information has been chaged, CHAGES MADE INTO ACCOUNT WAS UNAUTORIZED FINANCIAL INFORMATION WAS DELETE!!! 
NEW FINANCIAL INFORMATION WAS ADDED! 
ADDRESS WAS CHANGE. 
PHONE NUMBER WAS ADDED LOGIN FROM MULTIPLE LOCATION ( VPN ) i called paypal and custumer services told me that account was hacked using a vpn network for hack my account and now my accout has been permanet limited. 
the hack stole XXXX dollar to the XXXX  card, i said i did not made any withdraw. 

So, now she told me she cant help me. 



my account was perfect on first 6 months and now hack stole my money and made my account limited PLEASE I NEED HELP TO RESTORE MY ACCOUNT FOR fix the problem. 


I dont have access to my account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
We have a business checking account for our restaurant at M & T Bank. In XXXX three fake checks were cashed at XXXX XXXX. 

# XXXX for {$1900.00} # XXXX for {$2000.00} # XXXX for {$2800.00} The total is up to {$6800.00} The checks do not appear to be " washed '' checks. They are not in our printing sequence, nor on any setup of how our checks present visually. So they seem to be newly printed forgeries with our account information and address. 

M & T has been notified of the fraud bur refuses to return the money until they receive it from XXXX XXXX. 

That is between them and XXXX  but we are a client of M & T and it is their responsibility to return our stolen funds regardless of the fact that the checks were cashed at 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 2022-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had received an alert from XXXX XXXX and Equifax notifying me regarding a collections account sent in from 2 different light companies. One of the compnaies is XXXX XXXX XXXX which account was created on XX/XX/22 and got reported to credit bureau on XX/XX/22 with the amount of {$360.00} and then on same day another light company called XXXX XXXX which account was made on XXXX and sent to collections on XXXX for the amount of {$1000.00}. I did not live nor have I moved from the location I have been residing the past 6 years. and plus I have already report a same issue awhile back with another light company and it was 2 different light companies as well. Please see what can be done with this matter since new accounts are being created with my personal information and only to open up light companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts are closed, they also are showing incorrect dates, and dates are not consistent.

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are closed, they also are showing incorrect dates, and dates are not consistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts are closed, they also are showing incorrect dates, and dates are not consistent.

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I found these unauthorized inquires on my credit report. 
XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: CA

Complaint narrative:
I found these unauthorized inquires on my credit report. 
XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Credco XXXXXX/XX/XXXX Credco/XXXXXXXX XXXXXXXX  XX/XX/XXXX Credco 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 explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Account Name : USAA SAVINGS BANK Account Number : XXXX Reference : Remove Late Payment XX/XX/2020 1. Credit Bureaus are reporting inaccurate information to my Consumer Report 2. I have disputed multi times and account is not updated 3. I have submitted certified documents to show inaccurate information 4. CRA are not complying with FCRA law 15 USC 5. I have contacted original creditor. 
6. They have stated that corrected information was submitted to XXXX, a third party Credit Reporting Agency that reports to XXXX, XXXX, and XXXX. 

7. XXXX is one of the CRA who is reporting inaccurate, incomplete, unverified, information to my consumer report. 
8. The FCRA Law states that no Transactions or Experiences shall be reported on a consumer report [ FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ] This has caused me severe stress, defamation, and my ability to obtain credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Account Name : XXXX XXXX BANK Account Number : XXXX Reference : Remove Late Payment XX/XX/2020 XXXX Credit Bureaus are reporting inaccurate information to my Consumer Report 2. I have disputed multi times and account is not updated 3. I have submitted certified documents to show inaccurate information 4. CRA are not complying with FCRA law 15 USC 5. I have contacted original creditor. 
6. They have stated that corrected information was submitted to XXXX, a third party Credit Reporting Agency that reports to XXXX, Equifax, and XXXX. 

7. XXXX is one of the CRA who is reporting inaccurate, incomplete, unverified, information to my consumer report. 
8. The FCRA Law states that no Transactions or Experiences shall be reported on a consumer report [ FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ] This has caused me severe stress, defamation, and my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
i have some wrong address under my account

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 2022-09-10 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: Nelnet, Inc.
State: NY

Complaint narrative:
I have never applied for any student loans. I deny all financial responsibility under penalty of perjury for any student loans including Nelnet. The student loan accounts on my credit Profile are a result of fraud. Ive requested that a fraud packet be sent to me and have never received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: NC

Complaint narrative:
i have some wrong address under my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
i need all the wrong and old adresses removed from my credit files.

Company response to consumer: Closed with explanation