vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: PA

Complaint narrative:
Fraudulent account opened by The XXXX XXXX  doing business as Chime. Received an e-mail from Chime on XX/XX/XXXX regarding an account in my name, which I never opened nor wanted. I immediately replied that no such account had been opened by me. In XX/XX/XXXX I received a Form 1099-INT for this fraudulent account. Again I contacted Chime Member Services, with no response. In XX/XX/XXXX I again received an e-mail from Chime regarding services available thru my fraudulent account. I filed a report with the Federal Trade Commission, thru their Identity Theft Report system ( FTC Report Number : XXXX ) on XX/XX/XXXX. Receipt of a copy of this report was acknowledged by Chime on XX/XX/XXXX via e-mail, which stated that they would, " ... provide an update regarding my account status within 2-3 business days. '' No reply was ever sent. On XX/XX/XXXX I sent a letter to Chime at the suggestion of IdentityTheft.gov, using a form letter they provided ( attached ). To date, I still have not received any reply from Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: MD

Complaint narrative:
I am a victim of identity fraud. I did NOT open a credit card account with Montgomery Ward. I was able to find out that the purchase which was made in the amount of {$320.00} was perfume which was sent to an address somewhere in Ohio. Please assist me in getting this off my credit report. My credit score has dropped from a score of over 700 points to the low XXXX points as a direct result of this fraudulent account. I have since place 'freezes ' with all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: WI

Complaint narrative:
In accordance with the Fair Credit reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604A 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 2022-06-01 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: WI

Complaint narrative:
In accordance with the Fair Credit reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604A 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 2022-06-01 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: AK

Complaint narrative:
After reviewing my credit report, My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file and you must comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: Experian Information Solutions Inc.
State: AK

Complaint narrative:
After reviewing my credit report, My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file and you must comply.

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 2022-06-01 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: AL

Complaint narrative:
After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data

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 2022-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To my knowledge and records, the following accounts do not belong to me and/or are fraudulent. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I challenge the accuracy, compliance and reportability of this listing please validate this information with all reporting companies that furnished this undue debt and provide me with copies of any documentation associated with these accounts, bearing my original wet signature. In the absence of any such documentation bearing my wet signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
***I do not consent to e-Oscar or any means of automated verification. *** Please block the following information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


Please see the attached dispute letter and identification.

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 2022-06-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX, XXXX I submitted a FTC REPORT due to my credit file being impacted by the XXXX Data Breech. Disputes along with the FTC REPORT were mailed off to Experian and as of Today XX/XX/XXXX. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. 

All accounts were unauthorized and need to be removed XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
To my knowledge and records, the following accounts do not belong to me and/or are fraudulent. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I challenge the accuracy, compliance and reportability of this listing please validate this information with all reporting companies that furnished this undue debt and provide me with copies of any documentation associated with these accounts, bearing my original wet signature. In the absence of any such documentation bearing my wet signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
***I do not consent to e-Oscar or any means of automated verification. *** Please block the following information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


Please see the attached dispute letter and identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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:
To my knowledge and records, the following accounts do not belong to me and/or are fraudulent. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I challenge the accuracy, compliance and reportability of this listing please validate this information with all reporting companies that furnished this undue debt and provide me with copies of any documentation associated with these accounts, bearing my original wet signature. In the absence of any such documentation bearing my wet signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
***I do not consent to e-Oscar or any means of automated verification. *** Please block the following information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


Please see the attached dispute letter and identification.

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 2022-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mercari, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I made a sale on the Mercari site for the amount of XXXX. After selling fees. On XX/XX/XXXX I tried to transfer the funds instant pay to a XXXX XXXX account but the transaction was declined. XXXX XXXX would not accept the transfer. Mercari depleted my account and never returned the money due to me. I contacted them multiple times and even the XXXX XXXX XXXX. I confirmed with cash app they didnt get the transfer but Mercari still kept telling me they dont have the money. They sent me messages saying thanks for your time but we dont have it. The stole my money after I sold my items in their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I, XXXX XXXX, sent a dispute letter to Transunion on XX/XX/2022. Upon checking my mail yesterday, on XX/XX/2022, I received a notice from Transunion, dated XX/XX/2022 stating that my letters did not appear to come from an authorized party such as a credit clinic, and are REFUSING to start a reinvestigation on the disputed items that are reporting inaccurately on my credit file. I, the CONSUMER, sent in my own dispute letters and it's a consumer violation to refuse to honor my request for reinvestigation. Not to mention, I have been attempting for several months to remove inaccurate account information from my credit file and to no avail, Transunion has continued to report said inaccurate information. These blatant inaccuracies are causing me to be denied for new lines of credit and is otherwise injurious to my credit worthiness. Transunion has failed to conduct a FULL and COMPLETE reinvestigation and continues to do so. I do understand my rights as a consumer, provided to me by the FCRA and intend to pursuit litigation since Transunion is unable to correct their errors outside of court.

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 2022-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
The company IC.SYSTEM.INC. Is requesting me to pay the sum of : {$3000.00} in Collection of an account that doesnt belong to me. 
Ive been a victim of ID Theft. 
Theyre harassing me and need to stop.

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 2022-06-01 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
To whom it may concern : Back in XXXX of XXXX my credit card was lost or stolen and some one has run up a balance of {$9400.00}. I contacted Navy Federal Credit union to report that card was missing and charges were not made by myself or anyone I know. NFCU posted a provisioning credit for the time being. On XX/XX/XXXX I've received a letter from NFCU stating that there were no billing errors occurred and the provisioning credit will be reversed on XX/XX/XXXX. I tried contacting and writing to NFCU ever since with no luck. I would like to appeal the decision and would like to know exactly which criteria was used to determine this outcome. Because I have proof to verify that I was nowhere near those location where the credit card ending in XXXX was used. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
Slip and stylianou has had my wages garnished last year for a debt that a judgement was placed in XXXX of XXXX, that I never recieved a summons or any paper about until wages were being garnished in XXXX of XXXX. The original debt was for a credit card of {$600.00}. During the last year of employment with my previous employer I had a total of {$1600.00} taken out. I called the above mentioned law office and was told a different amount than what's on my sheet from XXXX that's due. The judgement amount shouldn't change to be higher when payments were made. XXXX XXXX XXXX is saying that only a few XXXX dollars has been paid. I don't understand what the correct totals are and was not properly informed back in XXXX that it was even being taken to court. With what I have paid so far and statue of limitations with the original debt passed off to a creditor it seems unfair to have to keep paying now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I've sent several letters including the last letter on XX/XX/2022 regarding inaccurate information reporting on my credit and to this day which is almost 60 days I have yet to receive an response. My letters are clearly being ignored and the I feel like I'm being taken advantaged of at this point. My next step is to file a complaint with the federal trade commission and XXXX. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I do not want these items updated. I want them deleted immediately. I will file litigation if they are not deleted from my credit report because of the stress that it's caused.

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 2022-06-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Blackrock Mitigation Group LLC
State: CA

Complaint narrative:
I believe it's a fake law firm. It was a {$300.00} dollar pay day loan from more than 12 years ago that I paid and they are asking for almost {$1000.00}

Company response to consumer: Untimely response
Consumer complaint received 2022-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2022 I applied for {$7200.00} Care Credit Medical Card and was denied. On XX/XX/2022 I received a email stating I was denied because I was a High risk source of application. with no credit check from the company.

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 2022-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
On XX/XX/XXXX my wifes account ( XXXX XXXX XXXX ) was debited {$170.00} from a check that was issued originally in XXXX of XXXX. The check was a part of a deposit to XXXX XXXX ( our business ) in the amount of {$740.00}. A computer glitch as I have been told occurred effecting many of First Horizon costumers. The next day XX/XX/XXXX they corrected their error and took the funds from XXXX XXXX. However, they have failed to refund the money removed from my wife account ( as of today XX/XX/XXXX ) and others that was effected by FH. I have tried many times to get FH to correct their mistake, they have not. The answers I get is for us to contact our other bank XXXX XXXX  and have them request a correction be made on her account. They have also said that I should not worry about these other people unless they contact me first. Only one person has gotten their money returned to them. This not a very good business practice in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
In XXXX, my husband and I called a servicer provided on our exit counseling information to discuss payment options. We were advised the Spousal Consolidation Loan would be our best option, as it would allow us to have one interest rate and one payment. We were not provided the option to consolidate into a Direct Loan and were given an FFEL Spousal Loan through XXXX. In XXXX, Congress banned these types of loans. In XXXX, PSLF came into existence. In XXXX, I joined a public service organization and tried to consolidate my loans into Direct Loans ; however, because it is a spousal loan, the Dept. of Education would not accept the loan type. During this period, my loans were transferred to MOHELA. I was told my best payment option would be IBR, which I signed up for, because it would give me access to student loan programs. However, this move means I now owe just {$3000.00} less on my loans than when we started. Because it is an FFEL Spousal Consolidation Loan, we do not qualify for any student loan programs provided to Direct Loan borrowers. I qualify for PSLF, but I can not access that program. Additionally, I did not get any reprieve during COVID. I have now moved to a standard repayment option because I could not afford my payments, can not qualify for any program relief, and will pay these loans beyond retirement. I feel the push into spousal consolidation loans was a predatory practice on young, married couples.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation