vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On Friday, XX/XX/XXXX my account with Chime was hacked. Chime notified me immediately via text and email that someone in XXXX changed my account information while I was at work. I'm in XXXX. My boss let me call Chime to deal with this. I called them from my car with no one there for privacy, just me and the lady from Chime. We froze my accounts and at that point, no one had stolen any money but the hacker did move about {$170.00} from my savings account at XXXX XXXX  MST into my Chime checking account. Then they moved {$930.00} from my checking account into my credit account with Chime within the same minute. Chime support told me over the phone that my money couldn't be touched at that point and it was all still there, just in the credit account instead of spread out how I had it. So I reluctantly went back to work. After work I had a bad feeling, so I called Chime to check on my money. During the time between my call to freeze the account and me calling again after clocking out at XXXX XXXX, I the hacker transferred {$490.00} to paysend.com. At that time, my account should have been frozen because I called Chime to freeze the account just after XXXX XXXX and I have a screenshot of the call to prove it, among many other things. I went home, reclaimed my frozen account, moved what I had left to a separate bank and started the process to dispute the charge. Time after time they denied my dispute, citing that I didn't give them enough evidence that it wasn't me spending money even though I gave them everything they asked for and more, even screenshots of their notifications to me that someone was changing my information out of state. I need that money for college really bad, so I filed several rebuttals of their denials and sent more information every time. I need my money back. That was two weeks ago and I would've filed my complaint sooner but I've been too depressed. They could have just denied the payment while it was still pending because it wasn't even finalized at the time I disputed it. I tried so hard to cancel it before the money left my account. My employer even sent a statement saying that I was working when this happened. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My phone was stolen in XXXX. Along with my bank cards. I had XXXX in my bank! Then when someone got a hold of my phone and card or whatever they had on me, that's when money started disappearing. I couldn't see what was going on bc I didn't have my phone to verify who I was. This has literally ruined my life right now. The only way I could access my funds was to.go in a center and they would only let me take XXXX out at a time. My bank statement is a mess and I have made police reports. I have been in the bank numerous amount of times to.fix this. Since I was absent XXXX and half months they accessed my account and paid there electricity in which overdrawn my checking and savings accounts! I then had to pull XXXX out of my savings that wasn't attached to overdraft. The money I took out of the bank I put in XXXX and the XXXX XXXX. Then I see other cards were opened in my account. I saw private banking. This needs to be cleared up 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 monetary relief
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My credit report recently had collection attempt for {$1900.00} from XXXX XXXX XXXX, first digits of account are XXXX. They claim on their records to have purchased this from Citibank. I have personally contacted Citibank and they have no records of my social security number being linked to this or any other account. I contacted the collection agency for any documentation what so ever and they have not contacted me back. They have never called me or emailed me before randomly appearing on my credit report this month

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 2022-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
In May, this company had added 2 debts to my credit report, that had already fallen off due to being over 7 years old on my credit report. They never mailed me anything saying they were trying to collect the debt again, they just put it on my credit reports. The only time they had mailed me anything was after XXXX removed the debt, but before notifying me. I was mailed a notice showing they had acquired my debt, with instructions how to contact in order to pay, 3 days before experian notified me they removed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: IL

Complaint narrative:
To whom it may concern : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Account of concern : XXXX XXXX  ( Collection Account ) Reported on Transunion credit report bearing 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 2022-07-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent disputes to the credit reporting agency and never got a response, However by law you're required to response within 30 days. Please investigate my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX XXXXXXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX XXXXXXXX ), 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 2022-07-02 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX XXXXXXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # 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 2022-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
Bridgecrest is currently reporting late payments, a charge-off, and a current overdue balance owed of {$13000.00}. The issue with this account began with the seller XXXX of the vehicle failing to provide me title and registration which drug out for more than a year. I was pulled over three times, and threatened with arrest for driving an unregistered vehicle. XXXX is now involved in multiple class action federal lawsuits for this negligence. I attempted to return the vehicle in question to Bridgecrest via voluntary repossession, giving them multiple times, the address of the vehicle and explaining due to the fact it was illegal to drive and our contract for payment had been voided by XXXX I would no longer be making payments. I was XXXX XXXX military living 45 minutes from XXXX, and not having a vehicle legal to drive was not an option. I was forced to return the vehicle to XXXXBridgecrest. Then, I lost my XXXX XXXX XXXX  and pay due to XXXXXXXX XXXX XXXX. In the fall of 2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. As a result, I qualify for title XXXX protection of my income, and for all debts prior to that time to be considered 'non-collectable. ' Upon dispute, they all have complied except Bridgecrest. Including federally-backed XXXX  loans. {$0.00} balance, and zero adverse credit file information regarding late payments. I am in a dangerous living situation that requires swift remedy. Due to my limited XXXX income and poor credit rating from issues surrounding this exceptional hardship, I am trapped in a dangerous neighborhood during a painfully competitive housing market with a wife and small child. We have already been the victims of both property crime and violent crime. We must get to safe housing as soon as possible. I don't have months to haggle over erroneous debts and negative credit file information. The threat of harm against my family, and inability to qualify for better housing due to erroneous credit file info is keeping my XXXX XXXX up and worsening my XXXX XXXX. I have spoken to multiple attorneys regarding this case, am taking action to join one of the federal lawsuits against Bridgecrest 's XXXX XXXX, and due to the emergency nature of my situation my next step will be to pursue the matter in federal court seeking damages for duress if the negative credit file information is not removed expediently. This is your ... last ... chance to correct your position involving the false credit file information Bridgecrest and exercise " right to remedy '' prior to legal proceedings. Please comply. Only written communication will be accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: GA

Complaint narrative:
My name is XXXX XXXX, an agent for principal XXXX XXXX, a federally protected consumer, holder in due course, and attorney in fact. I am making this complaint against XXXX XXXX Equifax for engaging in inaccurate credit reporting. I am also aware that consumer reporting agencies MUST report fair and accurate credit reporting. Inaccurate consumer reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. XXXX XXXX Equifax are required to undergo reasonable procedures to ensure confidentiality, accuracy, relevancy, and proper utilization of such information which were not done. I am aware that my reflected accounts should report 100 % accuracy across the board and that both XXXX XXXX Equifax have a grave responsibility for doing so. Because of this, I am demanding that Equifax XXXX XXXX either remove the account or report this account the same as XXXX. I am aware of the wrongful doings that have transpired and because of this Equifax XXXX XXXX have clearly violated the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
They are attempting to collect a debt that doesn't belong to me. They are demanding immediate payment from me without providing any proof they have the right person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: NV

Complaint narrative:
On XX/XX/XXXX this company XXXX Credit Card is being reported with the incorrect balance on my credit report which caused my score to drop over 30 points. I have a {$15.00} balance on this credit Court and this company is reporting incorrectly that I have a {$55.00} balance. I attached a screenshot of my balance and payment history to this complaint. I want this updated correctly immediately as well as this company fined for their violation. I have not had a balance of {$55.00} with this credit card XXXX Credit Card company since XX/XX/XXXX so its incorrect and inaccurate for this company to report the wrong balance which is a violation of my rights under the FCRA And this is causing harm to 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 2022-07-02 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 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: IL

Complaint narrative:
To whom it may concern : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX ( XXXX ) with account number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Account of concern : XXXX XXXX  ( Collection Account ) Reported on Transunion credit report bearing 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 explanation
Consumer complaint received 2022-07-02 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: SC

Complaint narrative:
I sent a written letter to the credit bureaus to remove the unverified collection accounts placed on my consumer profile. Credit bureaus refused to remove the accounts. 

I have not given the bureaus any written consent to post the collections on my credit report. 

I sent the collection agency several letters to verify the alleged account. I have only receive a billing statement not the contract or the contract stating how much they have paid for the debt. 
According to federal law 15 6802 no financial institution can not sell a consumers information to a third party agency. 

According to 15 USC 1681 b- permissible purpose- Consumer have not provided any written consent for any of the collection to report to my credit report. 

According 15 USC 1692 b ( 2 ) - stating a consumer owes a debt is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Furnishing and Reporting Old Information When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur? 

Reporting a debt as charged off, when it was settled or paid off. 

Account Number : Ending in XXXX Original Creditor : XXXX Amount : {$140.00} Payment Date : XX/XX/202XXXX XXXX Account ID : XXXX Confirmation Number : XXXX

Company response to consumer: Closed with explanation