vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-28 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: TX

Complaint narrative:
XX/XX/23 AT APROX. XXXX THERE WAS AN UNAUTHORIZED TRANSFER OF {$1500.00} FROM MY CHIME ACCOUNT TO ANOTHER CHIME ACCOUNT UNDER THE NAME OF XXXX XXXX ( $ XXXX ). I HAVE ATTEMPTED TO DISPUTE THIS TRANSACTION MULTIPLE TIMES AND RECEIVE THE SAME OUTCOME. I'VE PROVIDED ALL PROOF THAT I'VE HAD TO THEM, WHICH INCLUDED THE PHONE NUMBER THE HACKER USED TO CHANGE THE ACCOUNT HOLDER ( MY NUMBER ) TO ( THEIR NUMBER ). 
THEIR REASONS FOR DENYING MY CLAIM IS UNACCEPTABLE ( SEE ATTACHED FILE ) 1. MY DEVICE WASNT LOST OR STOLEN NOR WAS PASSWORD SHARED.

2. YES MY DEVICE WAS USED DURING THAT TIME BECAUSE I RECEIVED A TEXT ABOUT A SECURITY CODE SO I ATTEMPTED TO CHANGE MY PW AND MY NUMBER BACK SO THEY WOULD BE KICKED OUT OF MY ACCOUNT BUT WHILE I WAS DOING THAT THEY WERE ABLE TO TRANSFER THE FUNDS THAT QUICKLY. THEN IMMEDIATELY AFTER I CALLED CHIME TO FILE A DISPUTE.

3. MY DEVICE WAS USED IN THAT TIMEFRAME BECAUSE I WAS TRYING TO COUNTERACT THE THE HACKERS ACTION AT THE SAME TIME THEY WERE MOVING THE MONEY.

4. THERE WAS A FUNDING EVENT BEFOREHAND BECAUSE I WAS HUNGRY AT XXXX, NOT SURE HOW THAT WAS RELEVANT. 
5. I DON'T UNDERSTAND HOW AND WHEN THEY GOT ACCESS TO MY ACCOUNT BUT THEY DID WITH EASE.

I'VE ASKED TO SPEAK WITH THE INVESTIGATORS COVERING MY DISPUTE AND I'M UNABLE TO. SOMETHING SIMPLE AS INVESTIGATING THE ACCOUNT THAT THE MONEY WAS SENT TO WOULD NOT ONLY RESOLVE MY ISSUE BUT MAYBE OTHERS AS WELL BECAUSE I CAN NOT BE THE ONLY VICTIM, IT WAS EXECUTED TOO WELL. IF THAT ISN'T POSSIBLE THEY CAN USE THE LOCATION OF THE DEVICE USED TO MAKE THE TRANSFER AND SEE THAT MY DEVICE LOCATION DIDN'T MATCH THAT. I DO NOT CURRENTLY HAVE THE TIME AND RESOURCES TO SUE, FILE COURT CLAIMS, OR CALL NEWS OUTLETS JUST FOR ME TO BE ABLE TO HAVE MY HARD EARNED MONEY RIGHTFULLY RETURNED. THAT SHOULDN'T EVEN BE NECESSARY. IF THE PAYMENT WAS DRAWN FROM MY SAVINGS OR CHECKING ACCOUNT UNDER FEDERAL LAW I HAVE THE RIGHT TO HAVE THE ERROR RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEALTHFRONT CORPORATION
State: NY

Complaint narrative:
XX/XX/2023 I initiated a transfer from my XXXX XXXX rewards account to my account with XXXX XXXX XXXX  in the amount of {$7200.00}. I received an email confirmation from XXXX that the funds should arrive to the destination bank XX/XX/XXXX. With the following order # : XXXX I never received the funds although the funds were taken out of my XXXX  account. On XX/XX/XXXX I called XXXX XXXX XXXX they say the never received it. I called XXXX  they say they sent it and confirmed the correct account number and routing number. At this point XX/XX/XXXX I don't have my money and each bank is sending me to the other bank. Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On Friday, XX/XX/XXXX I went to log into my Bank of America account on my mobile banking app. I wasn't able to log in or change my password. I called the XXXX and spoke with a Customer Service Agent and she informed me that my account was closed for business reasons! I was livid. They never called me to notify me nor did they send me an email. On Saturday, XX/XX/XXXX I called the XXXX number and the Customer Service Agent told me that my account was restricted! I then called the local bank in XXXX GA and the person I spoke to was know help at all. I am going to the bank on XX/XX/XXXX to resolve the situation and see why they closed or put my account on restriction. My account is in good standing and I can't imagine why they are closing or restricting my account. I have a direct deposit for {$2200.00} being deposited into my checking account and I am going to try to withdraw the money as I need to pay rent and bills.

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 2023-05-28 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: OH

Complaint narrative:
On XX/XX/2023 I Sent XXXX XXXX XXXX, a certified letter through USPS requesting Validation of debt for account number XXXX in the amount of XXXX XXXX XXXX  XXXX XXXX Dollars as reported on my Credit Report, as of XX/XX/XXXX XXXX XXXX has failed to Validate that debt for account number XXXX in the amount of XXXX XXXX XXXX  XXXX XXXX Dollars, Further more XXXX XXXX XXXX has violated FDCPA section 1692E ( 8 ) failure to mark my XXXX, XXXX and Equifax account Disputed during the period of XX/XX/2023 to XX/XX/2023. I've downloaded through CFPB Portal Proof of the USPS Certified mail, date when it was sent and date when they signed for it. Note : I sent two letters asking to Validation debt letters to XXXX XXXX XXXX, one is for account number XXXX in the amount of XXXX XXXX XXXX  XXXX XXXX Dollars, And the other is XXXX for XXXX XXXX XXXX  XXXX Dollars, That I've recently disputed for the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please move this off my report thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please move this off my report thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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:
This collection is showing inaccurate on my credit profile, and i do not appreciate this showing own 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 2023-05-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have unauthorized inquiries reporting to my consumer reports

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 2023-05-28 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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
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 of privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666 B : a creditor may not treat a payment on a credit card account under an open end customer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
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 of privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666 B : a creditor may not treat a payment on a credit card account under an open end customer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
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 of privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666 B : a creditor may not treat a payment on a credit card account under an open end customer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Hi, EQUIFAX INFORMATION SERVICES LLC is still reporting this fraud acct. XXXX XXXX acct # XXXX {$2200.00}. on my credit report. The company nor Eqifax has legally verified this fraud account with the documents I requested. XXXX XXXX keeps sending Equifax computer generated notices this account is verified & false information. XXXX  XXXX NEVER lawfully verified this fraud account, with true valid proof, wet signature & the proof I requested. Equifax is violating the law & my rights & it has been way past the 30 days they were allowed. This dispute has been going on for months & it is causing me XXXX  & for future access to credit for a new car or to refinance my home. Since Equifax wants to ignore & not follow the law, I am going to take legal actions against them for reporting fraud on my credit report. Also every time I do a dispute with Equifax they lower my score, which it should stay the same even if the dispute wasn't removed, not lower it!! Also, I had a positive account added to my report which should have enhance my credit age & credit limit, making my score higher, it didn't, there is no justification for not honoring me properly. Im fed up with Equifax & WILL NOT be purchasing an XXXX  membership, as I was planning, for credit monitoring & updated scores & reports. Equifax continues to violate customers rights & constantly has data breaches & law suits. I'm so fed up with Equifax. Please Remove this fraud account immediately! ( I have also included pics from the dark web of hackers making fake accounts with my info )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
on XX/XX/2023 i went to XXXX XXXX  to open a credit card and they submitted my application and request came back that XXXX  credit agency was frozen. banker asked me to call XXXX  at the following number XXXX to have the freeze released. when you call they give, you two options to release the freeze 1- create XXXX  acct XXXX or option 2 send letter to XXXX i, chose option one and opened an XXXX acct online. i released the freeze and the next day i called my banker to let them know i had done so that is when the banker told me that i now had to use TRansunion to order credit report. transunion was also frozen so on XX/XX/2023 i called the number provided from XXXX XXXX for transunion and could not get customer service individual to help only automated service.i decided to open an online account for www.transunion.com and i provided confidential information including social security number, date of birth, full address and telephone number. when i hit enter button a pop up screen appeared asking me to give consent for transunion to pull credit on my behalf and i clicked yes.when i hit enter and went to the site all applications like freeze account was not available nor were any other choices on their site were also temporarily unavailable.I called the number for transunion and when i did there was a clunking sound on the phone and a very unprofessional woman answered with child crying in the background who said she could authenticate me with 5 questions to unlock freeze and no PIN required and she released the freeze.then XXXX ordered credit on XX/XX/2023 and credit card was approved, then I received 2 copies in 2 seperate envelopes of my credit report from transunion in the mail on XX/XX/2023. the report dated XX/XX/2023 showed no inquiries but the report dated XX/XX/2023 showed an account review inquiry that had " my name via TransUnion Interactive In '' and ( phone number XXXX ) and this was requested two times on XX/XX/2023. On XX/XX/2023 received a report dated XX/XX/2023 from TransUnion showing another account review inquiry from XXXX ( phone number XXXX ) with two requests dated XXXX and XX/XX/2023. 
I did not make these requests and have contacted social security, filed a police report and am filing this report. As of today I have no idea what my credit was used for in the 4 requests that I have mentioned that I did not authorize. there are no valid contact numbers that I can locate for either of the companies that have submitted credit requests on my behalf.

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 2023-05-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In Accordance with the fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX  opened on XX/XX/XXXX for {$19000.00} XXXX XXXX opened on XX/XX/XXXX for {$25.00XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for $ 794 XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for XXXX Dept of Education/XXXX opened on XX/XX/XXXX for {$8200.00} Dept of Education/XXXX  opened on XX/XX/XXXX for {$5100.00} XXXX XXXX opened on XX/XX/XXXX for {$73.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$510.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$230.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$1100.00} US Dept of EDXXXX opened on XX/XX/XXXX for {$13000.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$680.00} XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$1300.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX for {$120.00} XXXX XXXX opened on XX/XX/XXXX for {$150.00} XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for {$1400.00} has violated my rights XXXX 
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 an account without my written instructions in fair resolution.

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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc 1681. 

i told XXXX, XXXX, and XXXX to reinvestigate these accounts account name : First fed credit control : XXXX XXXX however, they stated everything was completely accurate. But how is that possible if the open date, date of last activity and much is incorrect. 
according to 15 usc 168 1i ( 5 ) they are supposed to modify accounts that isnt reporting correctly 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 then records of convictions of crimes which antedates the report by more then seven years 15 u.s.c 1681s=2 ( A ) ( 1 ) A person shall not turmish 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 also they arent even in compliance with XXXX XXXX credit reporting. i have evidence to prove my case

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: USCB Corporation
State: CA

Complaint narrative:
This company is reporting a collection on my credit report and i will want it verified and removed 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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
1. CITIBANK purposely harassed the card holder from XXXX for the charges disputed by the card holder even it knew what it did was wrong from the beginning!

2. CITIBANK hired several collection agencies to do the same things, several collection agencies backed out after they got the disputing reasons card holder provided.

3. CITIBANK executive responding unit : reversed black and white at and fact twice in their letters to the card holder.

4. CITIBANK in XXXX again hired XXXX XXXX XXXX XXXX XXXX as its another try : filed civic case against the card holder. 

5. XXXX XXXX XXXX, XXXX requested the dismissal the case on XX/XX/XXXX just days before the trial date of XX/XX/XXXX, WHY! 

6. Card holder faxed a request ( 98 pages ) to CITIBANK disputing dept at XXXX and XXXX XXXX XXXX at XXXX, XXXX on XX/XX/XXXX, NO RESPONSE from either of these two, WHY! 

7. Card holder reserves the right for further legal actions against CITIBANK.

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 2023-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
On XX/XX/ I sent Credit Collection Service two certified Validation letter though USPS to verify proof of debt for account number XXXX in the amount of XXXX XXXX and XXXX XXXX Dollars as reported on my Credit Report, and for account number XXXX in the amount of XXXX XXXX and XXXX Dollars as reported on my credit report. Credit Collection Service received and signed for that Validation letter on XX/XX/2023 as of XX/XX/XXXX Credit Collection Service has failed to respond to the validation letter. Further more Credit Collection Service has violated FDCPA section 1692E ( 8 ) failure to report/mark my account disputed with XXXX, XXXX and XXXX. 
I've downloaded proof of the Validation request USPS Certified mail receipt that shows the date sent and date received. 
Note : I've downloaded both USPS Receipts each for account number XXXX and account number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation