vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
My phone and card were stolen from me, my phone happened to have all the information about my card details on it as well. I was charged for multiple XXXX and XXXX XXXX transactions while my phone was gone, basically draining my account. I disputed through Chime and they denied my claim even though it was legit. 

I received documentation on why my claim was denied and their is no real evidence that they provided besides a few basic questions. Chime is in violation of Regulation XXXX ; terminal location/transaction location, type of transaction ( atm, retail pos, online pos ) name of financial institution that initiated charge ) was not included in the denial reason. 

They also state because money was moved in my savings account that the claim was denied but I clearly stated my account was used along with my phone as a login.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
A XXXX employee filled out an incorrect telephone when they created an XXXX loan on a tablet. I was unaware because there existed no paperwork, etc. and was purchasing a XXXX contract, not an XXXX loan. At some point in 2021 I needed a new credit card due to theft, and it should be noted the bank I use permits charges from previous business. Long story short, XXXX was charging my old card for a year up until they [ presumably ] made a system change in XXXX and the old card no longer worked. XXXX did ( to their credit ) call the incorrectly entered phone after some number of failed charge attempts due to the closed card. The number in their system was for my fianc and she ignores spam calls. I found out about the issue when my credit dropped XXXX points and am certain XXXXXXXX has systemic issues after looking into them on XXXX and other consumer protection sites. I immediately called and brought the account current with a new card.

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 2022-11-11 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this XXXX  issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account Name and number, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-11-11 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account Name and number, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
I am aware of the laws that are put in place to help individuals like myself to fix any problems dealing with credit. So I tried reaching out to get things off of my credit I just seem to get ignored constantly. So, XXXX XXXX XXXX refuse to take the information off of my credit. Me as the consumer, I did not take out a loan which they are trying to say now it's in my credit, Santander Consumer has inaccurate information on my credit and refuse to remove it. All of the hard inquiries should not be on my credit after I disputed them. 15 US 1681 states that I have the right to remove all negative things from my credit and that is a violation to the law. And I did not give permission for negative items and inquiries to be on my credit, and my credit was pulled without my permission. I need this problem resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: TFC Credit Corporation of California
State: FL

Complaint narrative:
This loan was secured to complete my education, however the institution I was attending has permanently closed due to XXXX as of XXXX XXXX. When I spoke with the members of the staff at the institution and the lending company, I was lead to believe that this loan would be voided as the service and the school where not able to fulfill the obligations of the contract. I have attempted to reach out recently as I am trying to purchase my first home and this loan is still showing on my report, thus preventing me from getting approval. I have tried calling the service line for the past few months but I only get a line that plays some type of XXXX XXXX XXXX XXXX XXXXXXXX than beeps to leave a voicemail, which I have a few times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: NJ

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns 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 2022-11-11 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: IN

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
I keep getting a call from this number XXXX for over a month now. My caller ID shows it's rausch sturm, a debt collector company. I do not have any outstanding debts and I have confirmed it through my annual credit reports. They seem to be impersonating a debt collection agency to trick me. However, I am still scared about identity theft and potential fake debt. Please help 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 2022-11-11 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:
I called MyFedLoan XX/XX/XXXX to ask for a refund for payments made during COVID forbearance. I was told that because my loans were transferred to XXXX, the refund would have to come through them. I had 15 total student loans- 13 of the loans were paid off through MyFedLoan prior to the conversion to XXXX XXXX I requested a refund from XXXX the same day - XXXX XXXX. I called several times to check on the status and was told by XXXX it was processing. XXXX XXXX I was finally told by XXXX the refund couldnt be processed because the payments were made and loans were paid off while belonging to MyFedLoan, and I would need to request through them. I called MyFedLoan to again insist for a refund. After speaking with 3 people, I got my refund request in, but was told the next day XX/XX/XXXX this would be canceled. They say that they are closing at the end of XXXX and will not have time to process my refund request. That I will have to wait until XXXX gets all the payment history transferred to them and then request the refund again in XXXX or later. This is a large sum of money that is being held when I am legally within my rights to request it be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I logged on to the Experian website to view my credit report. The credit information is from XXXX 2020. No new information is included on the report. I could not figure out how to generate a new credit report on the Experian website to ensure my latest information is correct. I've tried contacting Experian by phone multiple times over multiple days and have not been able to speak to a live person.

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 2022-11-11 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: NJ

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns 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 2022-11-11 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: NJ

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: MA

Complaint narrative:
XXXX marked my loan as greater than 30 days past due, reported my account as delinquent to credit bureaus, sent my account to Collections, and assessed late fees. At the time this occurred, my account was less than 30 days past due. Per their own policy, I should not have been reported. I ultimately made the payment within 30 days. When I pointed this out to them, they acknowledged it was incorrect, but refused to take any corrective action. This also affected my Cosigner. My cosigner asked them to verify that there was no affect on credit score in person and XXXX  said there was not. They lied to my cosigner in person, and they lied to me in writing, and then refused to correct or even to inform me on how I could correct. I would be happy to provide writing, phone recording, and affidavit from cosigner.

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 2022-11-11 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: MA

Complaint narrative:
XXXX marked my loan as greater than 30 days past due, reported my account as delinquent to credit bureaus, sent my account to Collections, and assessed late fees. At the time this occurred, my account was less than 30 days past due. Per their own policy, I should not have been reported. I ultimately made the payment within 30 days. When I pointed this out to them, they acknowledged it was incorrect, but refused to take any corrective action. This also affected my Cosigner. My cosigner asked them to verify that there was no affect on credit score in person and XXXX  said there was not. They lied to my cosigner in person, and they lied to me in writing, and then refused to correct or even to inform me on how I could correct. I would be happy to provide writing, phone recording, and affidavit from cosigner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Navy Federal has used extortionate means to withdraw my money from my checking account without my permission, authorization or any lawful consent! On XX/XX/22 in an amount of {$220.00} and on XX/XX/22 in an amount of {$59.00}. They have took all my money out my account to transfer it to credit cards. Under the NCUA, They have breach their fiduciary duty to work in my best interest. Their action has cause me great financial harm and when tried resolve this issue, they have been willfully negligent and noncompliant to address my needs. Ive tried multiple times to resolve this issue to get my money back but they are unlawfully refusing to. They are placing fees on my accounts due to the fact they depleted when I had other account set to have payments come from my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
XXXX XXXX sent a debt collector notice/debt validation letter that was received XX/XX/2022. My reply to the debt validation notice was immediately replied to on XX/XX/2022 indicating that the debt was not valid. My notice required 30 days for XXXX to send me proof of the debt, but they immediately put my mortgage up for foreclosure auction before their sending me their proof of the debt. 

I have verification that the loan that XXXX XXXX is trying to collect on is fraudulent and I believe they are trying to avoid my suing them in court because they know that the loan is fraudulent and are looking to sell the mortgage note to get out from the unlawful debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: PA

Complaint narrative:
In accordance with the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX CO : account # N/A, account name XXXX : account # N/A, account namXXXX XXXX XXXX, account # XXXX, account name XXXX BANK, account # N/A, account name XXXX XXXX SERVICES, account # N/A, has violated my rights. ( List all negative accounts ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can no
t 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 of convictions of crimes which antedates the repot by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 explanation
Consumer complaint received 2022-11-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I noted {$6000.00} stolen from my Chase bank account on XX/XX/XXXX. $ XXXX from checking $ XXXX from savings. All withdrawals were made by cashier 's check XXXX XXXX separate checks of {$2000.00}. Bank told me to go to the local branch, and I met with the manager. While I was meeting with her, checks were cashed out in real time. Since the bank would get that info the next day, I returned to the bank the next day, XX/XX/XXXX. I was advised it would be an easy fix. Today, however, I was notified by the bank that money was withdrawn using my ID in Arizona ( XXXX XXXX XXXX XXXX, AZ XXXX ). Two representatives, XXXX and XXXX XXXX ( phone # XXXX ), both confirmed that the person presented my driver 's license, which is my possession. But when this happened, I was in XXXX with the banker, and the person withdrew this in the Arizona Chase branch. We reported this to XXXX Police Dept. Financial crimes unit, phone number XXXX. I am concerned about ID theft and will monitor it. Chase, after a long and tiring phone conversation, told us to submit a police report so they could open an official investigation. We are in the process of doing this.

Company response to consumer: Closed with explanation