vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: PA

Complaint narrative:
I am reaching out seeking your assistance as it relates to a financial breach I have had regarding my bank account. I am currently banking with Chime ( online bank services ) and on Saturday, XX/XX/2022, at approximately XXXX, almost my entire savings was anonymously depleted. The timeline of events are as follows : XXXXXXXX XXXX EST, received an email bank alert from Chime stating unusual activity. 
XXXXXXXX XXXX ESTXXXX received another email stating {$5000.00} has been transferred ( to an email address ) XXXX XXXX EST, received another email stating my email address was changed XXXX XXXX EST, received another email stating my telephone number was changed I contacted Chime ( via phone ) financial services at the following times : XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXXXXXX XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX Upon each instance, I was told that a representative will be following up with a case number shortly. I have spoken to XXXX Chime customer service ( transferred ) representatives and I am yet to hear back from the Chime team with an update. 

I have been locked out of my account as a result, am not sure what are the next appropriate steps and have, so far, considered filing a police report in an attempt to rectify my accounts. I look forward to hearing from you soon and working together to resolve this major financial discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
In accordance with the fair credit reporting act, ACIMA DIGITAL FKA SIMP acc # XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is my second dispute with the Credit Bureaus, Fraudsters opened a XXXX XXXX  account that I had yall close for me. Now I ask that the account be DELETED FROM My Credit Report AS I REQUESTED. 
I am a victim of Identity Theft. My information was Compromised during XXXX 's XXXX XXXX. 
Included I have added screenshots and also my Data Breach Claim Number. For the fraudulently accounts that where opened in my name. 

I have never opened Nor Used XXXX XXXX  and I am asking you to DELETE it. Also I am asking yo to immediately DELETE The address that is on my account that's used in this FRAUDULENT activity at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
On XX/XX/22 CITIFINANCIAL RETAIL PR, XXXX XXXX receive a payment of XXXX with reference number XXXX on behalf of my XXXX XXXX XXXX account, that payment was made by mistake, since then I have been trying to contact them for a refund by information provided by XXXX XXXX XXXX, but I haven't succeeded. They told XXXX XXXX XXXX that I have to present the complaint myself so they can refund me the money. XXXX XXXX give me the postal address of CITIFINANCIAL but when I send it, the letter was return to me for insufficient address. As of this day I haven't make any contact with them to get the refund of the money. 

My email address is 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 monetary relief
Consumer complaint received 2022-12-06 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: NC

Complaint narrative:
I am a victim of Identity Theft. My information was Compromised during XXXX 's Data Breach.

Included I have added screenshots and also my Data Breach Claim Number. For the fraudulently accounts that were opened in my name. 

DELETE THESE inquiries THAT I DID NOT DO- XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX ON XX/XX/XXXX XXXX XXXX  XXXX ON XX/XX/XXXX Also I am asking yo to immediately DELETE The address that is on my account that's used in this FRAUDULENT activity at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL 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 2022-12-06 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: NCD Financial, LLC
State: VA

Complaint narrative:
In accordance with the fair credit reporting act, NCD FINANCIAL acc # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: AL

Complaint narrative:
These accounts were listed on my credit report as late and they were never late. These accounts are current and up to date. This is hurting my credit. This is a violation of the fair credit report act section 1681b. 

XXXX XXXX XXXX  Date opened XX/XX/XXXX {$630.00} Listed as 30 days late. 

XXXX XXXX XXXX Date opened XX/XX/XXXX {$360.00} Listed as 60 days late. 

XXXX XXXX Date opened XX/XX/XXXX {$870.00} Listed as late 60 days. 

These accounts were never late.

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 2022-12-06 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: Security Credit Services, LLC
State: VA

Complaint narrative:
In accordance with the fair credit reporting act, SECURITY CREDIT SERVICE XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: FL

Complaint narrative:
After looking over my credit report I see that I have hard inquiry from XXXX XXXX XXXX XXXX XXXX Equifax XXXX Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that I did not authorize. Please remove all of these hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: TX

Complaint narrative:
My name is XXXX XXXX, I am a federally protected consumer. I initially communicated with Experian XXXX XXXX in XX/XX/2022 via certified mail USPS in regards to entries appearing on my consumer credit report. Experian sent me an alert via the online app stating that my documents were being processed as a dispute. On XX/XX/2022 I received an additional alert stating that information was being updated. On XX/XX/2022 I mailed Experian a letter stating that I was requesting a complete investigation. I have enclosed letter that was mailed. Experian has continued to violate my rights, breach my privacy and identity.

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MO

Complaint narrative:
Most recent correspondence received from LexisNexis dated XX/XX/2022 stating unable to authenticate. I have mailed 4 separate certified letters containing my driver 's license, social security number, proof of address and identity theft report. LexisNexis returns an " unable to authenticate '' letter each time. They have not and will not initiate the dispute I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: NCB Management Services Inc.
State: VA

Complaint narrative:
In accordance with the fair credit reporting act, NCB MANAGEMENT SERV acc # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
XX/XX/XXXX my loan went into deferment due to covid and I was not able to make payments at that time. 
XX/XX/XXXX - I filled out the application for a home assistance request to see about modifying the loan. 
I filled out the proper paperwork and forms that they requests. 
Around XX/XX/XXXX I found out that the process was canceled due to missing information, when they had all the forms requests. 
I was able to restart the process and fill out all the applications and forms again. 
XX/XX/XXXX- my application was canceled again and the loan was in foreclosure status. I contacted Wells Fargo and they were able to restart the loan process. 
XX/XX/XXXX - after filling out all the requested documents, they again failed to provide options for me. I was able to restart the process again. 
XX/XX/XXXX- they canceled the process on me with no options to choose from and I had to restart the process over again. 
XXXX XXXX I Have completed all the requests forms and materials. XX/XX/XXXX - I got a letter in the mail stating that I was approved for a short sale. This is not an option that I want to take. I want to live in this house with my family. 
They have not given me any option for refinance, modification or anything. 

I have tried XXXX times filling out all the applications and forms and getting the mortgage company the requested documents only to get denied. 
Covid has put me and my family in a hardship that we are still facing. 
The mortgage company is not helping or willing to work with us. 
We need help. 
Thanks, 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 2022-12-06 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: FL

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. 

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 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 2022-12-06 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: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
In accordance with the fair credit reporting act, SOUTHWEST CREDIT SYS XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, HAS HAVE BEEN USED FOR FRAUDULENT USE OF MY IDENTITY. PLEASE REMOVE THIS ADDRESS PERMANENTLY FROM MY REPORT. CURRENTLY SOMEONE IN FLORDIA IS OPENEING ACCOUNTS IN MY NAME FROM THIS ADDRESS. I REACH OUT AND ITS NOT REMOVED BY BUREAUS BECAUSEE OF PAST CLOSED ACCOUNTS THEY HAVE OPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
These accounts were listed on my credit report as late and they were never late. These accounts are current and up to date. This is hurting my credit. This is a violation of the fair credit report act section 1681b. 

XXXX XXXX BNK Date opened XX/XX/XXXX {$630.00} Listed as 30 days late. 

XXXX XXXX BNK Date opened XX/XX/XXXX {$360.00} Listed as 60 days late. 

XXXX XXXX Date opened XX/XX/XXXX {$870.00} Listed as late 60 days. 

These accounts were never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: AL

Complaint narrative:
These accounts were listed on my credit report as late and they were never late. These accounts are current and up to date. This is hurting my credit. This is a violation of the fair credit report act section 1681b. 

XXXX XXXX  BNK Date opened XX/XX/XXXX {$630.00} Listed as 30 days late. 

XXXX XXXX BNK Date opened XX/XX/XXXX {$360.00} Listed as 60 days late. 

XXXX XXXX Date opened XX/XX/XXXX {$870.00} Listed as late 60 days. 

These accounts were never late.

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 2022-12-06 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: AL

Complaint narrative:
While checking my credit report I notice credit inquiries that I did not authorize. This is a violation of the fair credit reporting act secton 1681b. 

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 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CT

Complaint narrative:
I recently noticed a specific amount being deducted out of my account monthly. Every time I try to red flag the amount CHIME BANK tells me that nothing can be done until the withdrawal is completed. After they withdrew out of my account XXXX times and nothing was done I decided to call again this time I put in a claim for all XXXX transaction each charged at {$29.00}. After a day investigations they claim the the charges were valid and theres nothing they can do to refund back the amount. I repeatedly explain to the supervisor that I can not provide any further proof since its a company Im never heard of he then told me that I would need a police report I asked what am I going to tell the police and then he told me according to his investigation that all the charges were right and there is nothing that they can do to refund back the money. They took out {$200.00} and some change over a period of time which they are not looking to reimburse me I do not know what to do at this point I can not get in touch with Manager theyre telling me to get a police report I dont know what to do please help me with anything that you guys can provide with assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX acc # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: CITIBANK, N.A.
State: VA

Complaint narrative:
In accordance with the fair credit reporting act, CITICARDS CBNA XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I asked for a debt validation letter from the company portfolio, recovery sometime early in XXXX but never received, that and the lady I spoke with assured me that the letter will be going out and I never received any letter but I kept receiving the harassing calls, and long and behold. I viewed my credit report and they reported it to my credit XX/XX/XXXX which they never sent me the validation of debt letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: Commercial Acceptance Company
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : also states consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: TX

Complaint narrative:
My name is XXXX XXXX, I am a federally protected consumer. I initially communicated with Experian Information Services in XX/XX/2022 via certified mail USPS in regards to entries appearing on my consumer credit report. Experian sent me an alert via the online app stating that my documents were being processed as a dispute. On XX/XX/2022 I received an additional alert stating that information was being updated. On XX/XX/2022 I mailed Experian a letter stating that I was requesting a complete investigation. I have enclosed letter that was mailed. Experian has continued to violate my rights, breach my privacy and identity.

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