vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MO

Complaint narrative:
Chime stated they found, " fraudulent '' activity, and they suspended my account and I now do not have access to my funds. They are requesting documentation to verify my identity. I have provided the documentation that they've requested. They still have not unlocked or reinstated my account. There is NO fraud associated with my account. They have refused to send the balance of my account, {$780.00} roughly to me. I am unable to access my account in any way. The trigger for this was my trying to transfer monies from my XXXX account to my Chime account. I have had my account with Chime for 5+ years now. I have never had an issue with Chime until now. My children and husband also have Chime accounts. They are now in the process of closing their accounts. Upon searching for, " chime closed my account and refuse to send the balance of the account '' I found XXXX instances of the same issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IA

Complaint narrative:
From XXXX until early XXXX, unbeknownst to me, someone was using my identity in Iowa while I was residing in Illinois. These individuals got payday loans, opened up cell phone accounts, credit cards, etc. After finding out this was happening, I alerted the authorities and credit bureaus. Also, the companies that were on my credit report where the fraudulent accounts were opened. One of those companies was XXXX. I have been a customer of XXXX XXXX XXXX for nearly a decade, prior to that I was a XXXX XXXX XXXX. I have never been with XXXX or made a purchase of any kind from them. XXXX knew this, and XXXX was provided all requested documentation to show this was identity theft. I was assured by XXXX this was taken care of and I would have no issues. And yet I have a collection agency now trying to violate the law and collect on a debt not owed. Without any prior contact they have illegally placed this on my credit report violating provisions of the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX  XXXX XXXX. You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, TWO YEAR PAYMENT. All 3 credit bureaus are reporting inaccurate information in this account. As you are aware there can only be one high balance and same date on this account. This account has not been properly verified.

PLEASE DELETE the following account immediately for failing to comply with FCRA. 

XXXX XXXX XXXX THANK YOU FOR YOU TIME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Unifin Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX of this year, I received a letter from Unifin about a 15yr old debt. It included interest and fees more than double what the debt is. 
It also stated that a judgement was brought against me in XXXX  of which I have no knowledge or can't remember. It does not list which court. 

This debt is not on any credit report and is over 15yrs old I contacted the credit report agencies and they don't see it on any reports either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all most be remove immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Albert Corporation
State: FL

Complaint narrative:
I do mobile banking with Albert and all of my funds come from this bank account. I am filling out a government application with the United States Citizen and Immigration Services, where a certified bank statement is required. This document simply includes the amount of money deposited into the account in the past year, the date the account was opened, and the current balance of the account, and for it to be signed by an officer of the bank. All of this information is accessible to them. I have contacted Albert through the only way possible, which is their feature where you text them. After discussing the required document with them, they refused to provide this document and will only give me access to my regular monthly statements which is not accepted by the government agency. I explained the need and urgency for the document and how it affects humanitarian aid within my family. Albert will not provide a reason for being unable to provide the document.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV funding is attempting to collect a debt that according to XXXX in XXXX XXXX under my name reflects this has been dismissed without prejudice on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting 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:
i am not liable to this debt with portfolio recovery i do not have a contract with this collection agency they did not provide me with any original contract as required

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
According to the Fair Credit reporting ACT 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " it is the policy of the Congress that each financial system has an affirmative and continuing obligation to protect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information. Furnisher of information to credit agency is a financial institution by definition under title 15 USC 1681 section 604 section 2 states " in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructionsof the consumer to whom it relates. '' Furnisher of information to credit agency the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information or my written consent. Any and all consent to XXXX, XXXX, Furnisher of information to credit agency whether it be verbal, nonverbal, written, implied, or revoked is USC 6802 ( b ) ( c ) states that " a financial institution may not disclose non-public personal information to a non affiliated third party unless -- the consumer is given of explanation of how the consumer that nondisclosure option. Furnisher of information to credit agency never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( d ) ( 5 ) states " except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. code 168s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  and XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that a consumer may exercise the right to opt out at anytime. I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received multiple messages about receiving a credit card. I requested to be unsubscribed ( even waiting the requested 10 days ), wrote them a letter requesting to be unsubscribed, yet continue to receive emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX To Whom It May Concern : I am writing to dispute a 30-day late payment on my credit report that is being reported by Experian. The late payment is for a XXXX XXXX credit card account with the account number XXXX. The date of the late payment is XX/XX/2022 I believe that this late payment is inaccurate because I made the payment on time. I have attached a copy of my payment receipt as evidence. 

I am requesting that you investigate this matter and help me to get the late payment removed from my credit report. I am entitled to do this under Section 15 611 of the Fair Credit Reporting Act ( FCRA ). 

I would appreciate it if you could investigate this matter and help me to get the late payment removed from my credit report within 30 days. If I do not hear from you within 30 days, I will file a complaint with the Federal Trade Commission ( FTC ). 

Thank you for your time and attention to this matter. 

Sincerely, 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 2023-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Company continuously calls me from a variety of different numbers daily attempting to record my voice as they illegally brought my debt from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Last year ( XX/XX/22 ) I inquired, over the phone with Navient, about releasing a cosigner on my loan. I was told that if I paid a lump sum to bring the loan current ( {$990.00} on XX/XX/XXXX  ), then go into a 12-month plan that required consistent on-time payments that would steadily increase in cost I would qualify for the cosigner release. 
The payment plan began on XX/XX/XXXX  and I paid on time every month. I can list every payment if needed. Afterward, I completed the 12-month plan and confirmed via, phone call, that I could now sign the cosigner release, I submitted the paperwork to release the cosigner and they denied the application. 
They cited a rule that had never been brought up nor addressed, saying that because I didn't have a specific graduation date in my information, they would not honor the cosigner release. This had never been addressed in any form when I spoke to them, on multiple occasions, via phone call, as a requirement. They simply told me to do the 12month plan and I would qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: FinFit Holding Co, LLC
State: SD

Complaint narrative:
I am writing to bring to your attention concerning lending practices by XXXX XXXX XXXX. I believe they are engaging in unethical lending practices, including interest rates that exceed state-mandated limits. Since XX/XX/, I have taken out eight loans with them, and my experiences have been deeply concerning. I was duped into thinking this was an ethical loan because it was offered through my payroll system for work. 

I kindly request your assistance in investigating XXXX XXXX XXXX lending practices, focusing on interest rates that violate state regulations in my state of South Dakota ( on my loan document it says rates are 68.62 % ) and the issue of not receiving interest credit for early loan repayments on the 7 previous loans I had done in order to have money to pay the continuous cycle of loans. These practices raise significant ethical concerns and financial burdens. 

Your organizations expertise in promoting responsible lending practices is vital, and I trust you will help ensure that lending institutions like XXXX adhere to ethical standards. 

Thank you for your attention to this issue, and I look forward to a resolution that protects borrowers rights and promotes responsible lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I closed a real-estate transaction using XXXX XXXX XXXX XXXX  ( XXXX ) as my mortgagee. My first payment towards this mortgage was dated for XX/XX/XXXX. I submitted this payment before it's due date. I received an email XX/XX/XXXXXXXX  from an ( XXXX  ) representative letting me know that they received my payment, but didn't have a loan number associated with the payment. I provide the loan number and I was told by representative XXXX, XXXX " the loan payment was applied today to your loan '' XX/XX/XXXX. My loan was then transferred XX/XX/XXXXXXXX  to XXXX XXXXXXXX XXXX ( XXXX ). After several months I noticed that XXXX updated my credit report stating a 30 day late payment XXXX, XXXX  which is the same month my loan/monthly payment was transferred to XXXX and subsequent charge offs XXXX and XX/XX/XXXX. I submitted a dispute with the two credit Bureau who were reporting this false information, being XXXX and Equifax. The credit bureaus " investigation '' came back validating the incorrect information. When I contacted both bureaus for proof validating the claim I was told they do not provide documentation regarding claims to consumers and I would have to contact the reporting company. I reached out to XXXX XXXX XXXX XXXX loan servicing department several times for proof substantiating their claim most recent on XX/XX/XXXX. The loan servicing department was unable to provide me with any documentation substantiating the claim. I compiled all conflicting information and opened another dispute with the credit bureaus citing all discrepancies found during my own investigation. The credit bureaus still deemed the information provided by the reporting company ( XXXX  ) as valid after their most recent " investigation '' XX/XX/XXXX. I have filed multiple disputes with both credit bureaus regarding the false reporting ranging from XXXX, providing the same proof that I have attached below proving the claim as false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting 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 closed a real-estate transaction using XXXX XXXX XXXX XXXX  XXXX XXXX ) as my mortgagee. My first payment towards this mortgage was dated for XX/XX/XXXX. I submitted this payment before it's due date. I received an email XX/XX/XXXXXXXX  from an ( XXXX  ) representative letting me know that they received my payment, but didn't have a loan number associated with the payment. I provide the loan number and I was told by representative XXXX, XXXX " the loan payment was applied today to your loan '' XX/XX/XXXX. My loan was then transferred XX/XX/XXXXXXXX  to XXXX XXXX XXXX  ( XXXX ). After several months I noticed that XXXX updated my credit report stating a 30 day late payment XXXX, XXXX  which is the same month my loan/monthly payment was transferred to XXXX  and subsequent charge offs XXXX and XX/XX/XXXX. I submitted a dispute with the XXXX credit Bureau who were reporting this false information, being Experian and XXXX. The credit bureaus " investigation '' came back validating the incorrect information. When I contacted both bureaus for proof validating the claim I was told they do not provide documentation regarding claims to consumers and I would have to contact the reporting company. I reached out to XXXX XXXX XXXX XXXX loan servicing department several times for proof substantiating their claim most recent on XX/XX/XXXX. The loan servicing department was unable to provide me with any documentation substantiating the claim. I compiled all conflicting information and opened another dispute with the credit bureaus citing all discrepancies found during my own investigation. The credit bureaus still deemed the information provided by the reporting company ( NASB ) as valid after their most recent " investigation '' XX/XX/XXXX. I have filed multiple disputes with both credit bureaus regarding the false reporting ranging from XXXX, providing the same proof that I have attached below proving the claim as false.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting 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:
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.

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 explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
under federal law 15 us code 1681 a strictly forbides any information that can be released to the credit bureaus. I want the late payment information deleted off of all the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I XXXX XXXX reviewed my Transunion Credit report and noticed some unauthorized inquiries. I have attached supporting documentation below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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