vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc

Complaint narrative:
I purchased a XXXX treadmill utilizing Affirm 's loan services in XX/XX/XXXX. 

XXXX subsequently issued a recall of all of its Tread+ treadmills so I returned my treadmill in XX/XX/XXXX. 

I received a notice on XX/XX/XXXX, that Affirm received a payment from XXXX for the Tread+ return in an amount of {$4600.00}. At that time, I had made {$2900.00} in installment payments toward my Affirm loan. 

On XX/XX/XXXX, Affirm partially refunded via ACH transfer my loan amount in the amount of {$1700.00} ( which reflected $ XXXX payment * 9 months ). At this time, Affirm indicated that it would have to refund the balance of my loan ( of installments amounts already paid ) by check - that additional amount to be paid by check is {$1100.00}. 

Despite persistent attempts to get Affirm to send a check for {$1100.00}, Affirm still has not refunded my funds even though it has been fully paid since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: ND

Complaint narrative:
In acordance with the fair Credit Reporting Act XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions

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 2022-04-25 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: SC

Complaint narrative:
i did not authorize nor consent to the following inquiries being furnished on my consumer report. XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Loan Companies XX/XX/XXXX XXXX This is a violation to all 3 credit report agencies XXXX, equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I filed a claim with CHASE on XXXX XXXX the matter is still unresolved. Unauthorized ACH payments from our joint checking account in the amount of {$21000.00} to XXXX between XX/XX/XXXX and XX/XX/XXXX remain in dispute. CHASE notified through CFPB that the matter is closed. This is inaccurate and unacceptable. 

After numerous calls to CHASE FRAUD in addition to in person visits to nearby CHASE branch, all of which has included a lengthy and still ongoing review and investigation period, I am resubmitting complaint with CFPB. Additionally, I have filed a police report to escalate recovery of stolen funds as well as to appropriately report the criminal activity and the negligible response from CHASE and counterparts, XXXX and originating bank XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
Someone open a credit card under my name i received a statement in my address that a fee has to be paid im not working Im XXXX I already call the company calls indingo I explain and they said to report it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: LA

Complaint narrative:
My name is XXXX XXXX. My checking & savings account with chime was closed out of the blue with no warning & ask me for documents which I provided & then said I wasnt able for refund for my remaining balance in accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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. 

2.

In accordance with the Fair Credit Reporting act 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. 

In accordance with the Fair Credit Reporting act 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. 

In accordance with the Fair Credit Reporting act 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 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 2022-04-25 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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. 

2.

In accordance with the Fair Credit Reporting act 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. 

In accordance with the Fair Credit Reporting act 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.

In accordance with the Fair Credit Reporting act 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 2022-04-25 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 sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I opened my Citibank account online XX/XX/XXXX. I work as a freelance consultant so my income historically was not stable however I started receiving regular direct deposits via XXXX  into my Citibank account on XX/XX/XXXX. On XX/XX/XXXX I received a notice of " suspicious activity '' from an apple.com charge which I approved on phone. My last debit card purchase was an ATM on XX/XX/XXXX. On XX/XX/XXXX I received a notice that my account was overdrawn. I immediately tried to move money from my savings account into my Citi account to cover the overdraft but my debit card no longer worker. I waited until Monday XX/XX/XXXX to contact the bank and was told my account was being closed and then I was HUNG UP ON THREE times. I called again on XX/XX/XXXX and was the same thing, account is closed and there is nothing they can do. I inquired about my direct deposit which was scheduled for XX/XX/XXXX and was told Citibank would reject the deposit and it would go back to employer. I was then blocked from viewing my Citi account and the direct deposit was never rejected or returned to my employer. I called the automated system and confirmed that the money was deposited into the Citi account. I called on XX/XX/XXXX to ask how can I get access to the bank account with all of my money in it. My savings is gone covering expenses from missing one week pay without access to my primary bank account. I was told Citibank will not reject any deposits, and can hold onto the funds for up to 60 days. I have not received ANY correspondence or explanation of what is going on and why my funds are being held or realistic timeline of when my money will be returned to me. In the meantime, all bills setup through my primary checking will be late and assessed NSF fees so this issue is compounding daily for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies has violated my rights XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 Section 602 A. States that 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 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 2022-04-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies has violated my rights XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 Section 602 A. States that 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: AL

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 USC1681. 
XXXX  Account XXXX # XXXX XXXX  Account XXXX XXXX XXXX Account # XXXX, XXXX  Account XXXX  Account # XXXX, Non authorized inquiries : XXXX, XXXX, ML XXXX XXXX XXXX XXXX XXXX, wrong address:XXXX  XXXX XXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS, XXXX XXXX XXXX XXXX XXXX XXXX KY, Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX KS,XXXX  XXXX XXXX, XXXX XXXX, KY XXXX LISTING WRONG EMPLOYER : XXXX XXXX XXXX has VIOLATED my RIGHTS. 
15 U.S.C 1681 SECTION 602A, States I have right to privacy.

15 U.S.C. 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 items 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 2022-04-25 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: AL

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 USC1681. 
XXXX  Account XXXX # XXXX XXXX  Account XXXX XXXX XXXX  Account # XXXX, XXXX  Account XXXX Account # XXXX, Non authorized inquiries : XXXX, XXXX, ML XXXX XXXX XXXX XXXX XXXX, wrong address:XXXX  XXXX XXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS, XXXX XXXX XXXX XXXX XXXX XXXX KY, XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX LISTING WRONG EMPLOYER : XXXX XXXX XXXX has VIOLATED my RIGHTS. 
15 U.S.C 1681 SECTION 602A, States I have right to privacy.

15 U.S.C. 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 items 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 explanation
Consumer complaint received 2022-04-25 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I submitted a complaint a few months ago and this is a part of that same complaint. 

I have had credit cards with Chase bank for many years and never had a problem. For security reasons, I have always had automated services for every single charge in my credit cards. On XX/XX/XXXX at XXXX XXXX, i received an automated text message inquiring if a charge of {$7700.00} was processed. I immediately answered NO and declined the transaction. Following, I went to the online site and disputed the charges. The Merchant was " XXXX XXXX  ''. I did not know if it was a real company or not. I asked for a new card immediately. 

On that same day, XX/XX/XXXX at XXXX XXXX and after I had disputed the charges and asked for a new card 5 hours earlier that day, there was a new charge to my now old and frauded card of XXXX {$1300.00}. For some reason, it later became {$900.00}. 

Chase bank was aware that this was also part of the same fraud because it was done on the same, old and frauded card that was already cancelled. This was communicated to their team several times over the phone. They even asked for an email from XXXX confirming this. I was able to get confirmation from XXXX that I do not exist in their records. More importantly, have never used their services. 

When submitting my prior CFPB, my main focus was the {$7700.00}. As CHASE was aware, had proof and made logical sense that these were together ( purchase after cancellation ), I did not address this topic here. 

Thanks to you, Chase agreed to pay the {$7700.00}. Now again, they have posted {$900.00} from XXXX. The Merchant did not recognize me or any family member. We were not registered in their database and did not want to see the specific transaction on the date or time. They can not find a confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
My loan was transferred to Truist Bank and ever since then it's been a complete nightmare trying to set up an online account to pay my monthly mortgage payment on time. The website is unable to find my loan and continually says the service is unavailable. Trying to call Truist just leads me to a never ending cycle of waiting to be connected to a customer service representative ( 20+ minutes at least every time ), the customer service representative offering to connect me to tech support and then being placed on hold and being transferred back to the main menu instead of tech support. I have wasted literal HOURS on this and there is no solution or end in sight. Is this company run by a bunch of mice in a trench coat? Because I could not imagine an actual human being running a company so incompetently.

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