vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-31 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: MD

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX OF XXXX XXXX Number : XXXX Youre reporting a later payment in XX/XX/2022 & XX/XX/2022 yet XXXX is reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid agreed due to my FCRA rights. In accordance with the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681- section 602 states I have right to privacy, 15 USC 1681 section 604 a section 2 it also state a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end as late for any purpose.

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 2022-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/22 XXXX22 Several charges and transfers as well were made on my account online as well as in post office in XXXX XXXX and XXXX XXXX  money orders in a row on XXXX and XXXX of XXXX. CHIME Bank is denying my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
[ It appears that my previous complaint to Transunion failed. Claim # XXXX. If it did process, please do not mark this as a duplicate, as the complaint does not appear in my portal. Thanks. ] I would like to dispute some information that I do not recognize or find to be accurate : XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTING TWICE! **WHY?? ] ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX [ REPORTING TWICE! **WHY?? ]. I have reached out to Transunion via certified mail on multiple occasions regarding this matter, which they have not responded to me, although my letters were left with an Agent. I consider this to be extremely unfair! That is the first reason I am requesting deletion of the disputed data. The second reason I am requesting deletion of the disputed data is because there are multiple discrepancies between the information that Transunion, XXXX, and XXXX are reporting. I compare the information and find it to be severely inconsistent and contradictory. Why does it not match? From my understanding, it is your duty to ensure that my report is 100 % accurate and truthful. This means you have been reporting the incorrect information this entire time, which as been hurting me severely! My third reason requesting deletion of the disputed data is due to the fact that I did not provide any these companies with my social security number, nor did I consent to have my private, nonpublic information shared. How did they obtain my private information?? Who gave it to them?? It is safe to say that my right to privacy is being violated. I am truly concerned. Please investigate this matter as well. Lastly, please have all of the companies above, whom I believe to be furnishing inaccurate data, to provide me with any documents they have on file baring my unique signature, -such as any original signed contracts, or any disclosure forms which are required by law to be clear and conspicuous, acknowledging that I opted into credit reporting. If they fail to provide such physical and legal proof of these accounts, please have them cease furnishing, and delete the information from my report immediately. Upon completion of your investigation, please mail me the results within 30 days. I truly appreciate your time and attention to this matter.

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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Department of XXXX student loan and XXXX XXXX XXXX these accounts are fraudulent I did not authorize this or give authorization

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 2022-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: GA

Complaint narrative:
ENHANCED RECOVERY COMPANY {$960.00} Open balance XXXX XXXX XXXX XXXX  Original creditor I have never had, nor authorized, a XXXX account, neither in New Jersey or Georgia. I I believe some one fraudulently open this account under my name using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Attempted to get a statement about amount of debt owed originally, the amount paid to date and who are they collecting for however agent XXXX # XXXX refused to send any information. He stated that they do not do that. 

Company Wakefield & Associates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My husband called chase to issue a new credit card on XX/XX/XXXX since he had a fraudulent charge from XXXX. Chase said they would mail out a new card and it would be to us in 3-5 business days. On Saturday XXXX, my husband was at work, phone stopped working, he got home at XXXX on Saturday and noticed chase app alerts- he called chase bank and there was a withdrawal of {$8000.00} from his checking account ( at XXXX at the XXXX Branch XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ) and {$40000.00} from our shared checking account ( at a chase branch at XXXX XXXX XXXX XXXX XXXX ). On Sunday XXXX, we called chase to cancel all our cards, including the one that we were still waiting on, and they said there was already charges made on the credit card as detailed below. 

XXXX XXXX ( EST ) XXXX XXXX {$14000.00} XXXX XXXX ( EST ) saks XXXX XXXX {$3100.00}. XXXX was tried XXXX times between XXXX and XXXX ( EST ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX {$1200.00} We filed a claim with chase once the withdrawal transactions were posted which was Tuesday XXXX as they said they could not do anything while the transactions were still pending. After speaking with multiple chase representatives both on the phone and in person since XXXX, it wasnt until I called on XXXX to ensure they received my affidavit form to complete our claims process to start their investigation that they then informed me I needed to file a police report to complete the process and start the investigation. We faxed over the police report on XX/XX/XXXX, called daily but they said they never received, resent it again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Finally they said they did receive it and were able to start the 3-5day investigation process. I submitted a claim to the BBB regarding Chase bank, and thus my case was escalated to the chase executive branch, supposedly highest level of escalation. Our case liason has been very hard to reach, does not return calls. When we are finally able to get in touch, they continuously ask the same questions over and over despite us previously providing the answers multiple times. It has been over 30days now, our money has yet to be returned to us and we can not get any information as to when we can expect our money back in the accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-31 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: IL

Complaint narrative:
XX/XX/2002, i sent a letter to XXXX, XXXX and EXPERIAN advising them to remove inaccurate and incorrect information from my credit report, they have yet to do so. 



The credit companies are not complying with their own policies in a timely manner.

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 2022-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: NC

Complaint narrative:
Someone opened a Chime account in my name at my home address, however it was opened in a nickname of mine when all my credit reports are already locked because of fraud. When I called chime they told me they don't have a fraud department and they wanted all my personal info to activate the account so they could have someone email me about it. Ok first off, I don't have anything sent to my home address. Someone tried to murder me seven years ago and I do not want my address getting out so I use a po box for everything. So, the problem is that whoever got ahold of my info, did not have my actual address. Chime opened the account and sent the card to my home address. Now I'm worried that they have given this thief my actual home address. Well, talking to them was the most frustrating experience ever. They kept referring to the fraudulent account as my account and saying things like, " so you're telling me you didn't mean to open the account? '' Hello. What in the actual...? At this point I have no idea if they have closed the account or how many other accounts they have opened fraudulently or if they have just sent this thief a new card or what. Who even opens an account with a nickname? Chime does, apparently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
In XXXX of XXXX I open an Apple Virtual Card, I am not sure but someone got access to my account, it could be that someone got information from my phone or some other way but whoever did that made purchases on my card from XXXX or XXXX of XXXX to XXXX of XXXX. I since to avoid any further problems or fees with Apple Cards/GS Bank XXXX XXXX I have paid the card and requested the other virtual card to be canceled and give me a new one. Nevertheless, this difficult and stressful situation has caused me a loss of financial and emotional hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act has violated my rights. XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX  XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX CARD SERVICES Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDClosed on XX/XX/XXXX, XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX, XXXX LT Closed on XXXX XXXX, XXXX, XXXX Closed on XXXX XXXX, XXXX XXXX XXXX  / XXXX Closed on XXXX XXXX, XXXX Bankruptcy XXXX Bankruptcy XXXX 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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to dispute some information that I do not recognize or find to be accurate : XXXX XXXX ; XXXX XXXX  XXXX XXXX ; XXXX XXXX  XXXX XXXXXXXXXXXXXXX [ REPORTING TWICE! **WHY?? ] ; XXXX XXXX XXXX XXXX. I have reached out to Equifax via certified mail on multiple occasions regarding this matter, which they have not responded to me, although my letters were left with an Agent. I consider this to be extremely unfair! That is the first reason I am requesting deletion of the disputed data. The second reason I am requesting deletion of the disputed data is because there are multiple discrepancies between the information that XXXX, Equifax, and XXXX are reporting. I compare the information and find it to be severely inconsistent and contradictory. Why does it not match? From my understanding, it is your duty to ensure that my report is 100 % accurate and truthful. This means you have been reporting the incorrect information this entire time, which as been hurting me severely! My third reason requesting deletion of the disputed data is due to the fact that I did not provide any these companies with my social security number, nor did I consent to have my private, nonpublic information shared. How did they obtain my private information?? Who gave it to them?? It is safe to say that my right to privacy is being violated. I am truly concerned. Please investigate this matter as well. Lastly, if any of these companies choose not to cease reporting, please have them provide me with any documents they have on file baring my unique signature, -such as any original signed contracts, or any disclosure forms which are required by law to be clear and conspicuous, acknowledging that I opted into credit reporting. If they fail to provide such physical and legal proof of these accounts, please have them cease furnishing, and delete the information from my report immediately. Upon completion of your investigation, please mail me the results within 30 days. I truly appreciate your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Torriere Holdings INC
State: TX

Complaint narrative:
Ive received calls from a company called XXXX. I asked for the name of the company and was told that XXXX is the companies registered name. After calling he number back several times to acquire information about the company ( actual name, address and or website ) everyone denied giving me any information. I was finally told by a XXXX that the name of the company is Spire Recovery Services, but he would not give me the address or website of the company. I never gave this company consent to contact me, I have no contractual obligation to this company. This company has no permissible purpose to contact me through any means. If any information from this company is published on my consumer report I will seek damages for defamation and identity theft. This company is willingly and knowingly participating in fraud and violating my rights. They stated that they sent me emails and letters in XXXX, but I have not received anything from this company except for harassment. The would not verify who they were, but wanted me to give them my personal information. I think the company if it is really are participating in scamming consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
This company XXXX XXXX is showing up on my credit report as I owed them. I have never lived there or been there I don't know if this is a mistake or identity theft but we need to have this removed and provide me with any documents so that i can further prevent this. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I tried to unfreeze my TransUnion credit. I went to their website. It would not let me log in on the six digit two factor authentifaction code. I called the customer service center and used the chat. They said I have to send in my drivers license ( or government issued id ) and a recent bill and maybe in four business days after receipt they might unfreeze my credit. I need a load today and my credit can not be verified. Their customer service offers no other alternatives.

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 2022-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: NC

Complaint narrative:
This company The XXXX is showing up on my credit report as I owed them. I have never lived there or been there I don't know if this is a mistake or identity theft but we need to have this removed and provide me with any documents so that i can further prevent this. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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 Fair Credit Report Act, XXXX XXXX  account # XXXX and acct # XXXX has violated my rights and clearly in violation of 15 USC 1681 . Both accounts are reporting illegal late payments and inaccurate days of these late payments.

15 USC 1666b says .... A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-10-31 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 Fair Credit Report Act, XXXX XXXX account # XXXX and acct # XXXX has violated my rights and clearly in violation of 15 USC 1681 . Both accounts are reporting illegal late payments and inaccurate days of these late payments.

15 USC 1666b says .... A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MI

Complaint narrative:
I was able to purchase Bitcoin  though cash app for investment purposes .I filed a compliant 2 weeks ago and im still unable to send the Bitcoin where I would like it to go. My friend did it the same day and time and hers went though and mines didn't. So I would like to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This was not sent in error, I am a consumer by law and my information was misused. Due to this there is false information reporting on my credit report. Unauthorized use of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: MD

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX  OF Maryland Account Number : XXXX Youre reporting a later payment in XX/XX/2022 & XX/XX/2022 yet XXXX is reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid agreed due to my FCRA rights. In accordance with the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681- section 602 states I have right to privacy, 15 USC 1681 section 604 a section 2 it also state a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end as late for any purpose.

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