vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I disputed inaccurate information that's on my credit report my XXXX XXXX  XXXX opening date says XX/XX/XXXX on my TransUnion and XX/XX/XXXX how can my information be verified and it's reporting XXXX different information my payment history on TransUnion and XXXX is not accurate with each other and it's not all listed date last active on TransUnion is XX/XX/XXXX and XXXX it's XX/XX/XXXX violation of the fcra needs to be removed immediately My XXXX  XXXX XXXX has inaccurate information date open for TransUnion is XX/XX/XXXX date for XXXX is XX/XX/XXXX Last active for TransUnion is XX/XX/XXXX XXXX is XX/XX/XXXX there's no payment history in TransUnion how can it be verifed from XXXX XXXX showing different information needs to be deleted immediately violation of the fcra

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 2022-07-15 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: MO

Complaint narrative:
Please REINVESTIGATE. The Credit Bureaus stated that my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

I am uploading a copy of my Credit Report. The red boxes are marked where the failure occurs.

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 2022-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX I sent a amount of {$200.00} to a man named XXXX XXXX. This was done through XXXX. I immediately notified my bank about the scammer and they started working on this. I was notified by them today XX/XX/XXXX that they cant do anymore to get the money back and requested I contact and report it here. I have all the messages between me and the other person. The bank has his true name and bank account informs as well. There is a paper trail through XXXX to track the money also.

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 2022-07-15 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 — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Someone stole my credit card They spent money and I canceled my credit card Suddenly I see charges on my account from my debit card. My debit card was not stolen. 
I had to cancel both my debit and credit card as soon as I saw the charges on my account. 
Chime said that they would help me. I see that they said that this matched my spending velocity. 
I told them I have never purchased anything from any of the merchants. I sent them the police report. I keep getting messages that the investigation is closed only hours after I opened the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: LA

Complaint narrative:
I have unauthorized inquiries on my credit reports. I do not recall giving these companies nor the credit bureaus permission to share my credit report with these companies. This is a violation of my consumer privacy and protection. this is apparently fraud and the credit bureaus have done absolutely nothing about it. ( 15 USC 1681 ( A ) ( 4 ) ) I have attached my id so do not try any of your tactics to not validate this information and further violate me! Validation will require documentation not merely your words on a paper stating it's verified.

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 2022-07-15 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: LA

Complaint narrative:
I have unauthorized inquiries on my credit reports. I do not recall giving these companies nor the credit bureaus permission to share my credit report with these companies. This is a violation of my consumer privacy and protection. this is apparently fraud and the credit bureaus have done absolutely nothing about it. ( 15 USC 1681 ( A ) ( 4 ) ) I have attached my id so do not try any of your tactics to not validate this information and further violate me! Validation will require documentation not merely your words on a paper stating it's verified.

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 2022-07-15 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these listed accounts have violated my rights : XXXX XXXX XXXX XXXX Account number XXXX XXXX, XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account numbers XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting Act, these listed accounts have violated my rights : XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX, XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account numbers XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number 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 an account without my written instructions.

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 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 2022-07-15 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these listed accounts have violated my rights : XXXX XXXX XXXX XXXXV Account number XXXX XXXX, XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account numbers XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting Act, these listed accounts have violated my rights : XXXX XXXX XXXX XXXX Account number XXXX XXXX, XXXX Account number XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX Account numbers XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX  Account number 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 an account without my written instructions.

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: OR

Complaint narrative:
Resurgent  repeatedly sends us collections notice for an account that was never in collections and paid in full. We had an account with XXXX back in 2018. The last bill be were invoiced and paid in full is dated XX/XX/2018 in the amount of {$190.00}. We paid this bill via direct ACH payment as we always had and received a paid receipt from XXXX via email. Out of the blue, Resurgent started sending collections notices last year where we repeatedly provided evidence the invoice had been paid- we provided a paid receipt from XXXX XXXX a copy of the invoice, and a copy of our bank statement showing this amount was paid in full. Resurgent continues to ignore the evidence provided and harasses us daily- calling, mail, and threatening to destroy our EXCELLENT credit. We would like them to be contacted and investigated for fraudulently trying to get us to pay money that is not due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wife and I have a XXXX  with citi bank XXXX. I was told that there was no hard credit check on the increase of credit limit. Well the customer service person at citi was wrong. I want my wifes XXXX  and my XXXX  score to be put back in order. Citi and XXXX and the rest told me to get an attorney? what Restore my credit or give me the increase in my limit. I am tired of f ing around. XXXX has done what they can. the XXXX company could give a XXXX. Call me XXXX XXXX XXXX my XXXX dollar card has no balance due... fix it please fix my XXXX  score All of this has taken place over the last week and a half and I am done and sick of the XXXX service Creditor / VendorAccount numberStatus CBNA XXXX .... 
Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
If our reinvestigation has not resolved your dispute

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 2022-07-15 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist placed a levy on my account because of a child support levy. This child support case is my son 's, whom I added to my account for convenience. My son disputed the levy with the child support office, and Truist confirmed that the child support office issued a release for the money to be released. After the money was released, I closed the account and transferred my money into my new account. My son is not in my new account. However, I went to the bank today, XX/XX/XXXX, and was told that the levy department went into my account and withdrew {$810.00} for child support levy. Bear in mind that this is my account and my son isn't on it. Therefore, this is an unauthorized transaction. Truist has illegally debited my account for no apparent reason. And no one can tell me why the money was taken from my account. Please stop Truist from making fraudulent transactions on customers ' accounts. Truist is getting away with all these illegal activities. The complaint ID for the aforementioned case is XXXX. The person who handled this complaint also stated an order was received from the child support office, to release the levy hold.

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 2022-07-15 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: Conn's, Inc.
State: TN

Complaint narrative:
I submitted a dispute letter with my credit report highlighting all the errors on my credit report. However, we have allowed furniture providers to violate the FCRA Act under Article 623 ( a ) which states, prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. CONNS HAS BROKEN THE LAW WITH GIVING INACCURATE INFORMATION TO ALL THREE CREDIT BUREAUS ... CHECK THE ATTACHMENT BELOW... LIKE HOW IS THE DATE OPENED INCCORECT ON ALL THREE... IS THIS ACCURATE? LIKE HOW IS THE DATE REPORTED INCORRECT ON ALL THREE BUREAUS. OVERALL, HOW IS THE DATE LAST ACTIVE INCORRECT... PLEASE READ ATTACHMENTS. I PRAFULLY YOU DELETE DUE TO YOUR MISTAKES OF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There was an unauthorized charge of {$2000.00} on XX/XX/XXXX via a " online advance ''. I did not authorize this, nor have I ever. My claim was wrongfully denied.

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 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've disputing this account for a whole year now and nothing has been resolved and its errors all over my credit report and nothing has happened. I disputed my account myself several times over and over and EQUIFAX still haven't reached back out to me not one time and its been very frustrating. The date of last activity is incorrect the high balance also is inaccurate there's a lot of information that's on that's hasn't been fixed or deleted. 

So now I want to seek damages for financial injury. According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation or this account I've been disputing for so long deleted now!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: AZ

Complaint narrative:
After a complete and in-depth review of my credit report maintained by EQUIFAX, I found the following UNAUTHORIZED inquires. Please note that I never applied for credit with these companies : ..... 
XXXX XXXX on XX/XX/XXXX ... XXXX  on XX/XX/XXXX ... XXXX  on XX/XX/XXXX ... XXXX XXXX ON XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC
State: LA

Complaint narrative:
I didn't not sign a contracting agreeing for my creditors to sale my debit to a third party. I never did business with company saying I ow them money. They don't have the legal right to collect on debit. They never gave me a service. I need Williams associates to show me proof I ow them money. Needs to be removed off my credit score immediately. Never received a debit validation letter. It's hurting my credit score defamation of character. Stopping me from getting a house charging me higher interest rate this is extortion fraud I don't ow them money have no legal right to collect on debit don't ow them fair collection report act no illegal proof.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime the Company. 

I have tried to access my account through the company directly to no success. I even tried to reach out directly to their CEO and I have not heard back at all, which shows their company culture 's imbalance and lack of respect for their loyal customers reflecting their discriminatory practices. 

The customer service people have not gotten back to me regarding the status of my account with them and they keep asking for a selfie with a piece of paper with the customer 's name and date holding it up like a terrible mug shot. 

US Citizens will not participate in the company 's requirements as the official government issued ID is solid and good enough to prove identification with the proper tools necessary in person when it comes to financial services. 

Please look into this technology company 's best practices to ensure that people 's identities are intact and belongs to the proper folks whom it belongs to. Their digital verification is wonky and I have not been able to access my Chime account since they keep asking people for selfies, which I refuse to participate in. 

I will never bank with a digital banking company that does not have an in person site ever again. I don't even know if these companies are really run by the people who claim to be live people for all I know. Please do look into Chime " bank '' the company deeply, for the sake of the consumers. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've been going back and forth for the last few months with Equifax about this particular account and it's ridiculous. It needs to be removed ASAP. The Equifax has stated my account was properly investigated but how is that possible if the information on my XXXX XXXX Account # XXXX is inaccurate. The high balance is inaccurate, the date of last activity is inaccuarate, the date reported is inaccurate, the date opened is inaccurate, the last payment is inaccurate, and the credit limit is inaccurate. Literally XXXX is claiming the account was not charged off until XX/XX/XXXX, XXXX is claiming the account was charged off XX/XX/XXXX and they received the last payment XX/XX/XXXX, the big bad wolf Equifax Is claiming the last payment received was on XX/XX/XXXX. The information is all over the place. 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I made a large payment on my PayPal account, and because I usually make smaller payments, PayPal flagged this as unusual behavior and placed a freeze on the payment for 13 days. This is a business credit card and I have other purchases pending on this card and may not have the credit line available for all of them so I called PayPal to try to resolve the issue. They asserted nothing can be done for 13 days. Then I got a text message " from '' PayPal ( though I'm now realizing it was likely a scam ). It asked for a lot of personal information, my social security number, mother 's maiden name, and credit card information and I supplied all of it and submitted because the interface matched PayPal. But after submitting, I saw at the bottom of the page that there was a warning saying the page isn't secure. The URL associated with it is : " XXXX XXXX

Company response to consumer: Closed with explanation