vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/XXXX, I received a text asking if I attempted to make a purchase @ XXXX XXXX. I replied back with no. They responded saying a chime representative will contact me shortly. Chimes phone number ( XXXX XXXX XXXX ) contacted me. I was then told my account was hacked and how someone with an iphone in XXXX, Texas has my information. They then tell me this person had set up two different transfers to come out of my account the next day ( XX/XX/XXXX ). The " chime representative '' was going to cancel my account and open a new one, but in order to do so I needed to move my money to the " case manager '' XXXX XXXX $ XXXX. {$1400.00} was moved over UNWILLINGLY, since I legit thought this was real considering chimes phone number called me. I now know, because the chime representatives tell me on REPEAT that chime will never call or text you. I contacted chime right away & a dispute was filed. An hour later it got denied. I called back asking why & was told to upload supporting documentation ( which I had done prior ). I redid everything that was asked for me to do. 2nd dispute got denied. Of course I call back & get tossed around to so many representatives, all of which " understand what I'm going through ''. I was then asked to make a written statement & a police report & submit the documentation. I did what was asked ( police report will be ready soon but I uploaded the report number & sheriff 's name ). 3rd dispute got denied. I also realized I have dash cams in my car. This whole phone conversation was recorded. I tried to upload the videos as proof that I am right, but of course they don't accept videos. I just want my money back. Every representative there seems to believe I willingly did this and knew this person. I beg to differ. Now my mortgage is late, among other bills. Those companies don't care what happened & what you're going through, so of course they want their money was well. 
4th dispute got denied and now on to my 5th one. I have asked for documentation as to why they keep denying my disputes. I have googled this issue and this has been an ongoing battle. So they are aware of this but act as if this is my fault. I can't help but think this is an inside job, and that's why they keep trying to sweep this under the rug.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: CA

Complaint narrative:
I just pulled my credit report and noticed some unauthorized inquiries not I did not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-04-29 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: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I DISMISSED MY BANKRUPTCY TO SELL MY HOUSE TO BRING MY LOAN CURRENT. LENDER IS NOT WORKING WITH ME AND I AM AN XXXX  XXXX XXXX XXXX XXXX. I WILL BRING MY LOAN CURRENT. I NEED TIME TO CLOSE ON MY LOAN. I FEEL LIKE I AM BEING DRISCRINMATED BECAUSE OF MY XXXX. I AM CURRENTLY WORKING WITH AN XXXX. I HAVE ASKED FOR HELP. BUT THEY REFUSE TO HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: MI

Complaint narrative:
On the date of XX/XX/year> A utility bill of {$820.00}. was accounted on my account. I had no prior knowledge to this bill. Someone used my information in another state to use utilities. As current to date that bill is still on my account and has been sent to a collection agency and need help removing this charge immediately.

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 2024-04-29 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently applied for credit and was denied. I pulled my credit report and noticed some unauthorized inquiries that caused me to be denied.

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 2024-04-29 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: OH

Complaint narrative:
I am reaching out to inform you that I was shocked to discover that this account was still reported on my credit report, despite my expectation that it had already been disputed and resolved by the credit bureaus. I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved, yet you continue to report this account that is unknown to me. 

XXXX XXXX XXXX XXXX. 

Please remove this account with all haste. Thank you for your attention.

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 2024-04-29 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-04-29 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-04-29 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: PA

Complaint narrative:
I recently reviewed again my Experian credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-04-29 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: FL

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;

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 2024-04-29 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: TX

Complaint narrative:
In my profile there were some hard inquiries that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: CO

Complaint narrative:
Despite my persistent efforts to contest the inaccuracies in the following information with TransUnion, unfortunately, the matter remains unresolved to this day. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX Account Number : XXXX According to the law 1681i ( 5 ) ( A ) ( i ) 30 days have passed and this information has not been verified within that time of reinvestigation, I now demand this charge off is deleted from my 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 2024-04-29 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX, I initiated a return with XXXX. On XX/XX/XXXX, XXXX picked up the item. On XX/XX/XXXX, XXXX acknowledged receipt of the item. XXXX first delayed the refund by a month, then later refused to provide the refund unless I submit my drivers license through a third party. I submitted my drivers license and was advised to wait 3 business days. I waited 3 business days and XXXX said they did not receive it and advised to start over. 

On XX/XX/XXXX I initiated a chargeback through Goldman Sachs. I provided documentation showing the item was returned and that XXXX failed to provide my refund. 

On XX/XX/XXXX, Goldman Sachs sided with XXXX. I reopened the dispute providing additional documentation showing that XXXX received the item and falsified their records to say they did not receive the item after filing the initial chargeback. 

On XX/XX/XXXX, Goldman Sachs sided with XXXX again now claiming that I provided documentation showing that XXXX did not receive the item. 

When I submitted documentation to Goldman Sachs, it showed that XXXX did receive the item and has now falsified their records to say they did not, but there were at least two documented references where XXXX did acknowledge receipt of the item. XXXX data shows the screenshots of receipts are genuine. Since it has been almost 5 months XXXX no longer has records from when they received or delivered the item to XXXX. 

On XX/XX/XXXX, I filed a third chargeback for this same return from XXXX of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-29 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: Foursight Holding LLC
State: AL

Complaint narrative:
Letter sent XX/XX/year> for no permissible purpose for the below FOURSIGHT CA XX/XX/year> XXXX FOURSIGHT CA XX/XX/year> XXXX This company reported info to a non affiliated third party without my permission, nor did they verify with me for permission or give me the option to OPT OUT from consumer reporting prior to the information being reported Under 15 USC 6802 Nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
This was sent regarding multiple accounts My request was as follows : Hi, please provide a 1099-C The original contract between myself and Affirm The original contract between myself and XXXX XXXX The FULL ORIGINAL account number The privacy document signed by me with the original creditor allowing XXXX XXXX  or yourself access to my personal data Proof of the accuracy of the portfolio complete with my full name Proof of Purchase of the portfolio from the original creditor Proof that the Assignment of Debt rules have been followed Proof of how XXXX XXXX, Affirm, and XXXX XXXX XXXX arrived at their respective alleged amounts owed. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 



If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 



If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 



If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 



Tell me when the creditor claims this debt became due and when it became delinquent. 



Identify the date of the last payment made on this account. 

Details about your authority to collect this debt. 

I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 



If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 






I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: CITIBANK, N.A.
State: TN

Complaint narrative:
I have a credit card account that should have never been on my consumer report. Its a VIOLATION of my Consumer rights pursuant to Title 15 U.S. Code 1681a ( 2 ) ( b ) Except as provided in paragraph ( 3 ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX needs to be deleted and removed from credit file immediately! 

Citibank credit card acct # XXXX needs to be deleted and removed from my credit file immediately Section 602 of the FAIR CREDIT REPORTING ACT stats 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

This is not fair to me this behavior is in acceptable! You are being negligent noncompliance with my consumer report!

The FAIR CREDIT REPORTING ACT states in section 603. Definitions ; rules of construction ( d ) Consumer report. ( 2 ) Exclusions. The term " consumer report '' DOES NOT INCLUDE ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; You have been notified notice, & is now aware of this. By not deleting and removing this information and account is a VIOLATION OF THE FAIR CREDIT REPORTING ACT!

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
Comenity Capital Bank/Ulta rewards master card keeps charging me interest and XXXX delinquencies after I closed the account on XX/XX/2024 giving me a XXXX balance After I closed the account with a XXXX balance they added interest that was unfounded and XXXX delinquencies. I put in a dispute at the end of XXXX and have contacted the company more than XXXX times, but I have not received help. I now have a balance of {$350.00} on XX/XX/2024.

Company response to consumer: Closed with monetary relief