vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 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: GA

Complaint narrative:
XXXX My Chime account was hacked and suspended for fraudulent activity in XXXX XXXX I live in the USA and have been to XXXX, bought anything from XXXX or communicated with people from XXXX. 
They transferred close to {$5000.00} between my checking and a credit card that was created via my account. 
Literally filed 4 different disputes only to be gaslighted into thinking that it was my fault that someone else hacked my account and got a credit card via my Chime account. 
After unnecessary back and forth with the customer service reps and sending a number of emails with my face next to a white piece of paper just to prove my identity, they FINALLY agreed with me but could only give me $ XXXX {$5000.00} back. 
The remainder funds that were stolen were placed on a Chime Credit card and spent entirely. Chime even tried to send me a bill for the fraudulent charges and till this day, still won't give me the rest of my funds ( {$3300.00} ) that were stolen from me. I have all of the documentation if needed as well. 
This went on until I gave up in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: FL

Complaint narrative:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. 

I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE THEM WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

TO MAKE THE DELETION PROCESS EASIER, I ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! 

Account Name : XXXX XXXX XXXX ( XXXX, Equifax, XXXX ) Original Creditor : XXXX  Account Number : XXXX Account Name : XXXX XXXX ( XXXX, Equifax ) Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: FL

Complaint narrative:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. 

I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE THEM WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

TO MAKE THE DELETION PROCESS EASIER, I ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! 

Account Name : XXXX XXXX XXXX ( XXXX, XXXX, Experian ) Original Creditor : XXXX Account Number : XXXX Account Name : XXXX XXXX ( XXXX, XXXX ) Account Number : 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 2022-10-18 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: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis has continued to report an unverified XXXX on their my consumer report listed with there company ; which is false information. 
I have contacted LexisNexis on several occasions about opt out ans suppress any information and to verify how they retread this information. 

I have a certified letter that clearly states they Do Not report any information with third parties such as Lexis Nexis or any of the three credit bureaus such as XXXX, XXXX and XXXX Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I was selling pre own watch on XXXX XXXX. Buyer offer zelle through their business buyer account. But I got the email from zelle ( could be fake ) to inform me to sent XXXX to upgrade my limit zelle. I sent it and got the fake email that sent another XXXX to buyer for them to release fund. I look at the email and call zell support but I did not believe the person on the phone. He told me sent money to while he on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: TX

Complaint narrative:
My consumer report in not 100 % accurate I have research my report thoroughly and found many many unlawful and inaccurate reporting tactics. These tactics are hurting livley hood and I am ubable to live my life and find a stable home for my family. This is unacceptable. I read and researched for myself and found. 
In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 
( Original Creditor : XXXX XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX has violated my rights. 
XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX violated my rights. 
XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States | 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. I did not give anyone written instructions to report any unlawful information on 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 non-monetary relief
Consumer complaint received 2022-10-18 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: FL

Complaint narrative:
I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My card was stolen and was used to steal {$2500.00} off my account. They purchased gift cards. I disputed the transactions but American express serve refused to refund/credit me and closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE NOTE THE LAST FOUR OF MY SSN IS XXXX. I WAS UNABLE TO LEAVE THIS IN THE SPACE PROVIDED LATER IN THIS FORM ( ON THE FOLLOWING PAGE : PROBABLY DUE TO A COMPUTER GLITCH. PLEASE INCLUDE THIS IN MY REPORT TO THE CREDIT BUREAUS I have tried contacting all 3 major credit bureaus. I wish to dispute all the credit inquiries for the month of XX/XX/2022. I was told repeatedly by ALL the bureaus phone reps, and mutiple sales reps that I could get quotes for car shopping etc without it harming my credit. It did indeed harm my credit and drastically so for that matter. I was not wanting or aware of what I was supposedly consenting to. I thought the dealerships were basically going to do a soft credit pull. I wasn't aware that we going to submit in such a way that I would end up with over 40 hard credit pulls! 

I spoke with a sales consultant that explained often most dealerships do not care and will essentially tell the customer whatever they want to hear. I feel that I was sincerely mislead. I have tried calling and submitting dispute online. The credit agencies have very POORLY trained employees, seemingly. They have also informed me several times that shopping around for a car ( so long as it's with the same time span ie 2 weeks, won't ding my credit ) my score dropped XXXX points solely because of this. 

I am a XXXX veteran with head injuries and other XXXX XXXX. I really don't appreciate what feels like happened. This seems and feels a bit reckless what happened. The dealerships could and should have better explained themselves. This credit bureaus also gave me false information. Insult to injury the actually seem almost hell-bent on not helping to resolve these matters. 

It seems credit monitoring via their sites and credit lock services are a cash cow for them. I think they are purposely making things more difficult and not being through with their investigations. Even though it's a multi-billion dollar industry, it seems that greed is still blinding ( at least some of the employees ) supervisors are people in the legal departments where very difficult to reach. 

The one person I was transferred to who was supposedly from the legal department seemed VERY ignorant on what all the FCRA laws were and didn't seem to really care at all and didn't seem interested to hear an explanation of the code and statues I was trying to site. 

There have been several other serious inaccuracies on my report. They are also not conducting proper and through investigations as per my request. For example 0 details given about who they independently re-verfied with, the information in dispute.

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 2022-10-18 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: SC

Complaint narrative:
On or about XX/XX/2022 at XXXX I contacted TransUnion and spoke with XXXX XXXX the name she gave me ) with id # XXXX to update information that was reporting on my consumer credit profile, she assured me that all the information has been updated and I would receive an update version of my consumer credit profile in 7 to 10 days. I received it on XX/XX/2022 but when I check my profile I notice that they were still reporting inaccurate information which is a direct violation of 15 USC 1681 ( b ) it fail to follow reasonable procedures to assure maximum accuracy of my information although they were warned that the emailed that they were using was inaccurate and I was no longer using or associated with that email and to please update it and they willfully and knowingly refused to do so, and continue to report incorrect information.

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 2022-10-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/XXXX, Amount of {$8100.00}, Creditor : XXXX XXXX XXXX  has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/XXXX, Amount of {$7500.00}, Creditor : XXXX  XXXX XXXX Apartments has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/XXXX, Amount of {$1000.00}, Creditor : 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

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 2022-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this dispute for all the inaccuracies on Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My serve card was stolen and purchases were made I didnt authorize. They stole {$2500.00} from my account. I filed a dispute with American Express serve. They denied my dispute and closed my account for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
Loan Provider : EdFinancial Services XX/XX/XXXX : Requested student loan refunds for payments provided during COVID loan forbearance period during phone conversation with customer service. During call, refund request has been submitted, with no timeline provided on refund processing time. 

XX/XX/XXXX : Received confirmation regarding loan refund request confirming date of request, however no timeline or expectations on when refund will be provided. 

XX/XX/XXXX : Called customer service to follow up and requested update on the processing time for refund request ; no answer was provided. 

Requested the following payments made : XX/XX/XXXX : {$500.00} ( paid to XXXX XXXX XXXX XXXX XXXX ) * XX/XX/XXXX : {$500.00} ( paid to XXXX XXXX XXXX XXXX XXXX ) * XX/XX/XXXX : {$500.00} ( paid to Edfinancial ) XX/XX/XXXX : {$300.00} ( paid to Edfinancial ) XX/XX/XXXX : {$400.00} ( paid to Edfinancial ) XX/XX/XXXX : {$500.00} ( paid to Edfinancial ) XX/XX/XXXX : {$500.00} ( paid to Edfinancial ) XX/XX/XXXX : {$500.00} ( paid to Edfinancial ) Total : {$3700.00} *My federal loans were initially serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX ), before being transferred to my current student loan servicer, Edfinancial , effective XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: TX

Complaint narrative:
My consumer report in not 100 % accurate I have research my report thoroughly and found many many unlawful and inaccurate reporting tactics. These tactics are hurting livley hood and I am ubable to live my life and find a stable home for my family. This is unacceptable. I read and researched for myself and found. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 
( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX has violated my rights. 
XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX violated my rights. 
XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States | 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. I did not give anyone written instructions to report any unlawful information on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: TX

Complaint narrative:
My consumer report in not 100 % accurate I have research my report thoroughly and found many many unlawful and inaccurate reporting tactics. These tactics are hurting livley hood and I am ubable to live my life and find a stable home for my family. This is unacceptable. I read and researched for myself and found. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 
( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
SOXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX has violated my rights. 
XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX violated my rights. 
XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States | 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. I did not give anyone written instructions to report any unlawful information on 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 2022-10-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 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 2022-10-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 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 2022-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AZ

Complaint narrative:
Called on XX/XX/2022 for a partial refund of {$20000.00} on my paid off student loan under the CARES act as this payment was made in XX/XX/2022. I was told my request was submitted. I called back on XX/XX/2022 asking for an update and have been told that it has been sent to the Department of Education. There has been no update in the XXXX weeks since I submitted my request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation