vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
I received a letter from Diaz & Associates about a credit card collection that is a time barred debt on XXXX. I called the credit company whom they are referring that I owe money to. The credit company XXXX says they have no record of the account or anything under my SSN. I do not recall ever opening an XXXX credit card. The name on the letter is before my name change in XX/XX/2005. I have not opened a credit in that name in over XXXX years. I also check my credit report and I do not see any credit card loan or default for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Since XX/XX/2021 I have been disputing a XXXX account that has been appearing on my TransUnion credit report but received a response that it was verified by XXXXXXXX XXXX. I again disputed the XXXX entry on XX/XX/2021 and XX/XX/2021 to receive the same response verified. I then sent a certified letter to XXXX XXXX disputing the information on my transUnion credit report never receiving a response, I have pointed out to TransUnion all the inaccuracies on my credit report but they continue to violate federal laws and in turn are causing me financial hardship costing me thousands of dollars in high interest rates, denied credit, high insurance premiums, defamation and negligent enablement of density fraud. They are also in violation of the FCRA. I am providing the certified letters sent to TransUnion and XXXX XXXX I will also provide my most recent credit report High lighting all the inaccuracies.

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 2021-12-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.

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 2021-12-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have submitted several identity theft reports, personal statements, and police reports to Equifax about removal of fraudulent accounts and inquiries. Due to the fact I was affected by the Equifax and XXXX breach I believe this company should be accommodating my request to remove anything fraudulent, but they are not and giving me an extremely hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days I have not received a response yet. I fell like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) It plainly states that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused 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 non-monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XXXX Both Wells Fargo customer service - XXXX - Manager Escalations refused to give agent ID and XXXX XXXX Escalation Customer Advocacy Group did as well after I complained about unprofessionalism and sounding hostile on the phone. I was constantly interrupted while asking questions which made me feel degraded. I been a customer for over 8 years and can not believe the way I was treated today. 

I called to ask for an increase of the ATM withdrawal of $ 1k. The first representative told me I could do so until she checked and said I was not eligible. When I asked what does this mean to understand, she responded with she does not know. I asked for a manager whose name is XXXX which led to hostile responses to the point that I felt degraded. XXXX- the Escalation Customer Advocacy did the same to me even after I complained to her about XXXX by cutting me off while I was speaking. The calls are recorded, this happened around 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 2021-12-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.

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 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I received a XXXX debit card in my name from Chime that I did not apply for. When I looked for a number to report ID theft, there was none to be found but the general customer support. They said maybe I forgot that I opened it! They were to " investigate '' and get back to me. Nothing happened. I send an email to their support general inbox ( again, no ID theft address ) and received a response addressed to my husband! Does this mean there is an account in his name, too? They wanted me to confirm that I don't remember opening the account and send copies of our social security cards! No way! They will not close the accounts or give me information. 

This company has swiss cheese security and is a scam. Please shut them down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my XXXX XXXX and need to delete immediately : XXXX XXXX of XXXX : XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
These accounts do not belong to me. Please remove the negative items as soon as possible because they are hurting my credit. 

1. Identity ThefXXXX XXXX XXXX  Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

XXXX. XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

. Identity Theft WELLS FARGO Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

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 2021-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MD

Complaint narrative:
Today is XX/XX/2021. Earlier today I went to get some car maintenance done, which I paid for with my Chime debit card. Everything was fine. Around XXXX XXXX EST, I went to check my account on my app, and it logged me out. I didn't have my password on me so I pressed forgot password. It kept giving me a " too many requests '' on the screen. So, I called customer service and ironically the automated operator said they were closed. Last time I checked they were available 24/7. The second time I called it stated I was eligible for free auto care. I thought it was through Chime. I still don't know. Now someone has my name and car model. I hung up and called back and now the number is not available from the area I'm calling from according to the automated message. Now, I can not access my account from any angle. Chime did not and still hasn't gave any notification of any technical difficulties or other mishaps to me. I can not get in contact with anyone by phone, and no one has answered my email. I can't log in to speak to anyone through chat and if I could I wouldn't have any problem because the problem is not being able to access my account. How this situation is being handled is unproffesional and fraud like. There's no one you can contact, no one has yet to notify me of Chime having issues, and their phone number is being rerouted if not shut off from receiving calls from customers. I want what's left in my account out of their system ASAP so I can go with a more professional and safe banking institution.This is beyond draconian, and it seems as if these institutions keep getting away with these so called mishaps. I have rights as a natural living being, creditor, consumer, and sovereign and this here is in violation of majority if not all of them starting with the non communication. Someone needs to look into what's going on with Chime regarding this matter and have them release people their money along with investigating their business structure because it's ironic no one can be contacted when not being able to access my account nor funds. I need access to my property ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
Collection notice for debt that does not exist by an entity that is known for fraudulent claims collections. This was dated XXXX for the amount {$13000.00}. The name addressed is not correct either. I also contacted the company the supposed debt was for and they had no record of any such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2021-12-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: Consumer Portfolio Services, Inc.
State: OR

Complaint narrative:
These accounts do not belong to me. Please remove the negative items as soon as possible because they are hurting my credit. 

XXXX. Identity Theft XXXX  XXXX Bankruptcy Case Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXXXXXX Bankruptcy Case Number : XXXX This is not mine. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. CONSUMER PORTFOLIO SVC Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: PA

Complaint narrative:
I sent out XXXX letters to Experian this first was investigate an account that was in error on XX/XX/XXXX. Got a response by email that no changes where made and the account was verified. So i sent a follow up letter requesting the method of verification on XX/XX/XXXX. I did not get a method of verification only that it has been verified and no changes where made.

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 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I filed a claim ( XXXX ) on XX/XX/2021 with Chase Card Benefits services under purchase protection for an amount of {$7300.00}. After filing the claim, I received an email that I would get a status of the claim back in 5 business days. I waited for 5 business days and contacted XXXX XXXX XXXX ( via phone ) around XX/XX/2021 and was asked to wait for another XXXX days. 
After a lot of back and forth, on XX/XX/2021 I received an email that my claim has been moved to adjudication and I should wait for another 5 days. Then on XX/XX/2021, I got an email that my claim is approved for {$1000.00}. I called customer care, immediately, asking for the clarification as to why my claim was approved only for {$1000.00} while I filed it for {$7300.00} and I was given a reason a WRONG reason ( that my benefit limit is {$10000.00} per year buy, it is {$50000.00} per year ). I then requested for a call back from the claim XXXX to understand the right reason behind {$1000.00} claim approval and I was asked to wait for 1-2 days. 
I never got a call back and I called customer care again and I was then given another reason behind the {$1000.00} claim approval. I again asked for a call back from claim XXXX and was again asked to wait 1-2 days. By XX/XX/2021, I called customer care multiple times and requested for a call back from claim XXXX but that never happened. 
Here are a few reasons that I have got, so far, from the Chase your team for my {$1000.00} claim approval as against {$7300.00}. 
XXXX. My card has an annual {$10000.00} limit and I have exhausted the limit XXXX. We only pay the deductible of your home owners insurance and that is {$1000.00} 3. This kind of loss is only covered up to {$1000.00} And all of this is WRONG, as per my benefits guide that I had received along with my card. I had already filed a claim with my home owners insurance and they provided a settlement letter explaining that my home owners policy only covers {$1000.00} for this loss. 
I have requested, several times, that I would like to talk to the claim XXXX, but I never got a call back. 
I finally connected with a supervisor ( XXXX XXXX and he agreed that there is something wrong with my claims decision. He mentioned that he is going to reach out to the leadership team and come back to me the same day ( XX/XX/2021 ) or, XXXX, the next day BUT I never got any call back. 
I am now stuck here, trying to get an explanation on why my claim was only approved for {$1000.00} and not the full claim amount, and sending this complaint to see if I will get the CORRECT explanation behind the {$1000.00} reimbursement from Chase card benefits while my claim was for {$7300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Regarding : report number XXXX I am a victim of identity theft. I am/have formally disputed an account ( s ) that I have learned has been made, opened or applied for without my consent and your company is now reporting such inaccurate information. 
I did not make this transaction or open or apply for this account and have not authorized anyone else to do so for me. In my original dispute date XX/XX/XXXX, I asked your company to investigate AND furnish me with your findings. I asked that the account be removed if you found no legal proof the account belonged to me and if the account did belong to me, I asked that your company furnish me with the full name and contact for the person who verified the account as accurate as well as a copy the agreement with obtained my legal wet signature showing that I authorized the account ( s ). 
Your company has done neither! Your company has provided me with NO proof your investigation! In fact, your company responded to my request by sending a computerized response to my OLD address, an address I have clearly giving your proof I no longer resided at, during my first dispute on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Form Intent to Move Out obtained & given to leasing office @ XXXX in XX/XX/XXXX. Actual move out in XX/XX/XXXX. 

Around XX/XX/XXXX, I was contacted by National Credit Systems , Inc Acct # XXXX to collect on Early Move Out/Reletting charges. 

Per discussions with XXXX, I was instructed to send Form that was turned into them at that time & debt would be removed. I sent form via email in XX/XX/XXXX. 

Note : On XX/XX/XXXX, I sent via us mail copies of documents : Email, Intent to Move Form, Money Order.Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. I later discovered the option to go online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft AMEX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation