vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
My card was lost and funds were stolen from My account. Neither the merchant nor the bank is helping Me. I told them that I was out of state and even submitted PROOF, multiple times. My claim keeps getting denied for a biased reason. I one is sincerely looking into this matter, meanwhile My business is suffering. Please help retrieve My money that was stolen from My account via unauthorized transactions. The fraud occurred in New York, while I was in XXXX XXXX New Jersey, I will submit the proof via attachment ( My business account bank statement ). The amount is {$760.00} done on XX/XX/2024. I did not delay, I called it in immediately. The dispute agent took My information down wrong. It was NEVER mentioned that I was out of state in the INITIAL dispute filing ( Ive requested them to reopen several times but they are unprofessional, they said that they would but never follow through with that action/promise/assurance, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: LA

Complaint narrative:
XX/XX/XXXX dispute completed on account related to XXXX XXXXXXXX XXXX XXXX whom prior had the account on Experian report marked paid/ closed with a 30 day late mark on XX/XX/XXXX. 
Following the completion of your investigation of this matter and reaching out to the lender on this account you came back and updated the account to paid/ closed/ never late. All was good from that point till XX/XX/XXXX. You have a dispute entered like I was the one who disputed this account and I simply ask what was there to dispute there was no late payments on the account or anything. Well now this account has the 30 day lare payment reported now under XX/XX/XXXX. I called customer service who cant access this dispute confirmation number listed at the top of the disputes who cant see this account waZ ever disputed so I turn around and submit everything I have through the upload tab now uou all used my documents to simply update the late payment from XXXX XXXX to XX/XX/XXXX that same document you used clearly states tbe account was paid closed never late yet that wasnt updated. My issue is I go through the whole dispute process on this account thats closed I might add so why all these updates I dont get. But I go through the process you all complete the investigation in conjunction with the lender who I refuse to deal with at this point cause its dependent on who you are talking to as to what the account shoukd look like instead of being consistent across all reports. But you all wont stand behind your own results of a dispute completed on a closed account so its not like theres been more history added but you all have the 30 day late reported afrer calling and submitting the prior results.

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 2024-03-03 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:
There are over XXXX inquires on my name that I did not approve Someone opened a credit card through XXXX XXXX in 2023 that all your great Credit Bureaus. Great protection that many inquires on my name allowed my credit score to drop out. 
Its probably all your XXXX allowed to access our accounts I cant get credit because your so called system of security is a joke when the XXXX get to get credit in my name with XXXXXXXX XXXX I just found out so Thank you for not protecting my name and the account was being paid for because of this last identity theft. 
Thanks again for not helping. Thank you for destroying Americans names

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 2024-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
My account was compromised. I initially XXXX  search chime customer service, in order to contact chime regarding questions & help with my account. 

The recipient on the other end was infact a scammer although they had all the chimes bells & whistles that one would incur calling chime. Even had account details. 

I was asked to download a mirroring app to help assist me with my account. Still thinking that Im on the phone with an actual chime agent I did so.. 

Within a matter of 30min if that, I had {$5000.00} removed from my account. This happened XX/XX/2024 I contacted chime with ( REAL ) actual chime number IMMEDIATELY. Along with filing a dispute IMMEDIATELY. Explaining to the agent what just happened to me. 

Chime says that they are doing a dispute. I dont feel as if they are truly helping me get back my stolen funds. 

I am a single mother of XXXX. I work very hard for my money & had plans on paying shelter/food groceries & bills with my money. It was my tax return that was taken away from me within a blink of an eye. I feel as if Im at a loss & dont know what Im going to do. 

As of today XX/XX/2024 Chime is still of no help to me. No one I talk to will provide me any information to my dispute. I feel as is I am being treated like the Criminal as opposed to the Victim at this very moment. 

I have filed a dispute with chime requesting that the transactions that was stolen from my account be cancelled & returned back to me. On XX/XX/2024 I have filed a complaint with the XXXX  on XX/XX/2024 Ive filed a police report with my local police department on XX/XX/2024 I have filed a fbi report online with ( XXXX ) on XX/XX/2024 Along with filing my complaint with you ( Consumer Financial Protection Bureau ) today XX/XX/2024.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Maryland XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws. Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations.

Furthermore, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations. 
Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system. 

Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above. 

In accordance with my rights under the law, I demand that your agency provide validation of the debt, including the purchase agreement between your agency and the original creditor. Furthermore, I request proof of your agency 's licensing and bonding, as required by law. 

Failure to comply with these requests within the legally mandated timeframes will result in further action to protect my rights as a consumer. I expect a prompt and thorough response to this dispute letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-03-03 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: Mercari, Inc.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Mercari in connection with the unjust limitation and pending closure of my account. I recently encountered an issue with a sale, specifically item ID : XXXX. 

On XX/XX/year>, the buyer received the item in question, following which they opened a return request, falsely claiming non-receipt. In response, I promptly provided Mercari with comprehensive evidence, including photographs showcasing the securely packed item, the XXXX drop-off receipt, and proof of delivery, which indicated the recorded weight of the package as XXXX lbs. This compelling evidence unequivocally disproves the buyers claim of receiving an empty box. 

Despite successfully completing the transaction, I was shocked to receive an email from Mercari moments ago, notifying me that my account has been limited and is pending closure. I firmly believe this notice was issued in error, as I have consistently adhered to Mercaris Terms and Conditions, ensuring compliance and transparency throughout my use of the platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
North Carolina XXXX XXXX XXXX XXXX is illegally reporting false information on my credit report. My bankruptcy XXXX this debt XX/XX/2019 case XXXX This is fraudulent and Im tired of being bullied by this bank. Every time I go to the bank, they remind me of my debt and tell me the bank took a lost because of me. I was discharged a credit card, car loan? And personal loan. All accounts are reporting late pays since XXXX. This bank is I intentionally abusing my credit. Recently, State Employees updated my credit report to delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: AL

Complaint narrative:
I have no knowledge of this account and never agreed to be on this credit account. I have requested information that proves otherwise. I am requesting this debt be removed from my credit report as I never agreed to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Hello I keep getting emails and calls from TrueAccord. They are telling me I owe over {$1400.00} and think I am someone I am not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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 am writing to delete the following information in my file. The items that need to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items 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 non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
A Chase credit card letter of XX/XX/2023 informed me that although I closed my credit card account with Chase on or about XXXX/XXXX/XXXX, when I paid that months amount due, I still have to pay a new annual membership fee of {$69.00} because Chase didnt close my acct until XX/XX/2023. Just because Chase waited until XX/XX/XXXX to close my acct, doesnt mean Im responsible for its tardiness. Attached is an earlier letter sent to Chase on XX/XX/XXXX reminding Chase to close the acct. It cites an even earlier letter sent to Chase on XX/XX/XXXX instructing Chase to close the acct. This one was certified and the XXXX search results presented in the first attachment show indisputably that Chase received it XX/XX/XXXX, yet waited until XX/XX/XXXX to finally close the acct. This certified mailing proves that Chase is very negligent about its correspondence. In the case above they waited 46 days to implement my request to close the account! Hence any claims that Chase received my first and second requests too late to avoid the annual fee should be disregarded Kindly refund my {$69.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
you reported false information about me to a credit bureau, then you sent me an email to harass me about the " major derogatory '' mark that you fraudulently reported. then I replied XXXX off, and you blocked the message in an attempt to restrict my ability to communicate based on my word choice. who the XXXX do you think you are?! you are in debt to me. XXXX you! you dont get to determine what language is appropriate for business. we dont have any business relationship. you are illegally harassing me, and you are involved in criminal fraud. you acknowledge that I commanded you to cease and desist a year ago, and in the next sentence you tell me that I need to do a bunch of stuff. NO! cease and desist means NO CONTACT! I am going to testify against you and you are intimidating and harassing the witness. STOP ALL COMMUNICATION WITH ME! WE HAVE NO BUSINESS RELATIONSHIP! YOU ARE BANKRUPT! YOU ARE GOING OUT OF BUSINESS. PERIOD! STOP CONTACTING 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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I'm not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original creditors as requested. I'm demanding that this account be removed immediately : ( 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 2024-03-03 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: MA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX  : amount of XXXX XXXX XXXX  : amount to of : XXXX XXXX  XXXX XXXX XXXX  : Amount of XXXX I never had a contract with this debt collector for any debt. Account have been disputed numerous of time and have not been removed. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2024-03-03 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: GA

Complaint narrative:
In reference to complaint XXXX with Transunion. I would like a reinvestigation because I am in disagreement with the account listed below. Transunion updated the results as to no changes. This account still appears on my credit report as 30 days late on XX/XX/2022. I was in fact on time and the inaccuracies are highly injurious to my XXXX XXXX. 

XXXX XXXX- ACCOUNT # XXXX Transunion failed to provide proof detailing that I was late. My credit report should have only accurate information. I also attached my car loan statement proving that the payment was made on time. Please reinvestigate this matter and update the late payment as paid on time immediately. 
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 non-monetary relief
Consumer complaint received 2024-03-03 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: CA

Complaint narrative:
Disputed credit card balance with Experian and they did the investigation but the information is still not correct. My balance with XXXX  XXXX as {$490.00}.

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 2024-03-03 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: Duvera Billing Services, LLC
State: AZ

Complaint narrative:
I have no knowledge of this account. I have asked the company numerous times to provide me with a validation of debt and have failed to do so on multiple occasions. I also have receipts of time stamped letters that went out to this company with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: Flexible Finance, Inc.
State: AZ

Complaint narrative:
I have no knowledge of this account. I have asked the company numerous times to provide me with a validation of debt and have failed to do so on multiple occasions. I also have receipts of time stamped letters that went out to this company with no response.

Company response to consumer: Closed with explanation