vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-21 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: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, I was charged {$70.00} for something related to a car rental. I absolutely did not authorize this charge. XXXX does have my card on file. I can guarantee that XXXX did not get proper authorization from me or XXXX to charge my card. 
I disputed the transaction with Chime as soon as it posted. They denied my claim on XXXX without details. I responded asking for documents used and a rebuttal form. They said I had to wait 5 days to request a rebuttal. In 5 days, I requested the documents and rebuttal again. I received no response. I supplied my additional information on XXXX and XX/XX/11. 
I received no response until XX/XX/11. Then I got the same letter I got when the claim was initially denied. No merchant documents and no rebuttal form. This has now happened 3 times. Chime has no right to deny my claim. Merchants are required by XXXX and XXXX to request and receive proper authorizations for charges. That was not done here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC.
State: NM

Complaint narrative:
On XX/XX/2023, I instructed Optum Bank to close my HSA account. The balance at that time was {$0.00}. I requested written confirmation of account closure to be sent via USPS first-class mail within one week ( no later than XX/XX/2023 ). It has now been three weeks since I instructed Optum Bank to close my account, and I have yet to receive any written confirmation from them. 

This is unacceptable, and is yet another example of Optum Bank  's poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: NY

Complaint narrative:
PERSONAL STATEMENTS # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX 2collections 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 Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your FICO Score less over time. 
6inquiries These lenders have accessed your credit file : 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 non-monetary relief
Consumer complaint received 2023-07-21 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: LA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

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 2023-07-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
I have been a customer with Chime Bank for many years and I am still a current customer. I was offered a special account that they were offering called the XXXX XXXX account. 

After opening the account and having it for a while, they offered a special promotion offered where customers who perform a set number of transactions on their credit builder card would receive a special edition platinum credit builder card. 

I participated in the special promotion and incidentally accumulated this high balance. I do recall paying about {$800.00} bucks towards this in the application from my primary checking account that I have maintained with them for many years yet somehow this never happened - the app had a special feature where you could apply a minimum payment amount directly from your checking and I am almost certain I agreed to the amount of somewhere in the ballpark of {$860.00}. Plus, there are a few features of this special credit builder specifically about how the credit building works that were confusing. Nevertheless, somehow the banking application ended up showing that I never applied the payment from my checking account which resulted in the outstanding balance showing on my credit report. 

Regarding resolving this outstanding balance, Chime has stated that once an account is past due for more than 60 days, it will no longer accept any payment toward the outstanding balance. In my latest attempt to reach someone to resolve this matter, I was informed again that payments are no longer accepted once an account has been charged off. While Chime does offer live person contact, they do not have a collections department to assist customers in my situation. I am currently waiting for a response from them after going exhausting every option with a supervisor I spoke with who advised that the only option available to me was to wait for someone to contact me about resolving the issue. I have tried on multiple occasions over the time period that the account has been outstanding to repay this debt however their company refused to make contact and discuss these matters, yet they damage my credit report and score by continuing to represent that the debt is outstanding and that I am refusing to repay, this is not the case. 

I am hoping to garner your attention and support in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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 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 non-monetary relief
Consumer complaint received 2023-07-21 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I HAD NUMEROUS ACCOUNTS WITH BANK OF AMERICA FROM XXXX TO XXXX AND AS I UNDERSTAND YOUR ORDER, YOU ARE REQUIRING B OF A TO RETURN ANY AND ALL DOUBLE NSF FEES THEY CHARGED THEIR CUSTOMERS. 
B OF A HAD A HISTORY OF SINGLE, DOUBLE AND TRIPLE AND MORE OF CHARGING MY ACCOUNTS MULTIPLE TIMES FOR THE SAME UNPAID TRANSACTION OR PAID TRANSACTIONS ( I DO NOT HAVE ALL OF THE STATEMENTS NOW AS THEY ARE IN BOXES AT MY GIRLFRIEND 'S AND UNACCESSIBLE AND MANY ACCOUNTS ARE CLOSED ) I ALSO HAD TO CLOSE ACCOUNTS TO STOP COMPANIES FROM CONTINUALLY TRYING TO CHARGE MY ACCOUNTS FRAUDULENTLY. 
I ONLY HAVE ONE FORMER ACCOUNT AVAILABLE TO ME NOW WHERE THEY CHARGED MY ACCOUNT MULTIPLE NSF FEES FOR BILL PAY BUT NEVER PAID THE BILLS BUT I WOULD ESTIMATE THAT UNDER YOUR ORDER B OF A PROBABLY OWES ME THOUSANDS OF DOLLARS IN CHURNED NSF FEES IN THE 4 YEARS UNDER THE ORDER. I HAD AN ACCOUNT WITH THEM STARTING BACK TO XXXX WITH THESE ACCOUNTS AND ORIGINALLY ALL THE WAY BACK TO XXXX WHEN I OPENED MY FIRST SAVINGS ACCOUNT AS A CHILD. 
I HEREBY DEMAND THAT BANK OF AMERICA INVESTIGATE ALL FORMER ACCOUNTS AND RETURN TO ME ALL NSF FEES THEY CHURNED ON THOSE ACCOUNTS TO ME & I KNOW THAT UNDER THE LAW THEY ARE REQUIRED TO MAINTAIN BANK RECORDS OF ALL ACCOUNTS FOR 5-7 YEARS SO THIS WHILE CUMBERSOME SHOULD NOT BE AN ISSUE. 
I EXPECT THEM TO CONTACT ME AND WORK ON THIS WITHIN THE 90 DAY TIME FRAME THAT OUR AGENCY ORDERED. 
I HEARD NOTHING FROM THE BANK SO FAR AS TO MY STATUS.

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 2023-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I disputed a charge on my credit card almost 5 years and since then they have constantly called and harassed me on a daily basis at least 6 times a day and threatened to sue me. They call everything day harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: TX

Complaint narrative:
Below are the inquiries which I do not recognize and most certainly did not authorize by these creditors. No new accounts ever resulted from the inquiries. I am a past victim of identity theft many years ago. 

XXXXXXXX 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 My Date of birth is : XX/XX/XXXX Name : XXXX XXXX XXXX Last Four of SSN : XXXX Credit Monitoring Member ID : XXXX These inquiries are causing me to be denied credit for no other reason than excessive inquiries, which drastically affect my FICO score and affect the rates I pay on personal and business credit. 

Please have these inquiries immediately removed from my credit file. Thank you in advance for your understanding and consideration. 



These inquiries are causing me to be denied credit for no other reason than excessive inquiries, which drastically affect my FICO score and affect the rates I pay on personal and business credit. 

Please have these inquiries immediately removed from my credit file. Thank you in advance for your understanding and consideration.

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 2023-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
in 2021 irs sent a direct deposit to wells fargo bank where it was deposited XXXX XXXX XXXX has never had an account with wells fargo before. the amount was XXXX .irs send to the bank for the return of the money because was not in my account now wells fargo refuse to give an answer about the return of such money been two years I have been back and forward through them both with the run around I am just lost with what to do

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 2023-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
PERSONAL STATEMENTS XXXX XXXX XXXX IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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
Consumer complaint received 2023-07-21 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: NC

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
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  I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2023-07-21 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: TX

Complaint narrative:
This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
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 Delete this account.

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 2023-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
For several years ( even prior to COVID ), I have continuously receive unsolicited phone calls and text messages from First National Collection Bureau , Inc. addressed to a " XXXX '' regarding debt collection. However, my name is not " XXXX '', and I do not know or am not associated with anybody named XXXX. Furthermore, I do not owe any debts, and even if I did, I have not received any debt validation letters. In the past two months alone, I have received these text messages from at least three different phone numbers for this same company on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the past, I have received harassing phone calls regarding this bogus debt. It appears that a " XXXX '' has been potentially using my phone number to sign up for bogus accounts with debt, which I am not associated with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express bank over charged me interest fee {$28.00} on XX/XX/2023. 

My credit card due date is on XX/XX/XXXX, the balance was {$180.00}, I paid the balance in full on XX/XX/XXXX, they charged me the interest fee {$10.00} on XX/XX/XXXX. 

Then the next month, XX/XX/XXXX, they charged me interest fee again. they said this is trailing fee. but on the statement, Trailing interest is the interest charged when, for example, you didn't pay your previous balance in full. When that happens, we charge interest from the first day of the billing period until we receive your payment in full. 

The question is, I paid the previous balance in full, but they won't stop charging me the interest fee. They are literally robbing customers. 

I hope CFPB can help me, make it right. Thank you!

Company response to consumer: Closed with explanation