vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 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: NJ

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my 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

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 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
My chime account was suddenly closed for no reason no warning no nothing just logged out and closed with my money in the account I called and complained numerous times they said I will receive my money 30 days or when they ship the check and now Im receiving emails about old disputes saying they are taking money out of my balance {$42.00} to be exact they are stealing my money and I need every cent back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediatel XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX  - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I keep getting hard inquires from capital one when I havent requested capital one y would I request credit thre days apart they are constantly putting a hard inquiry on my account when I am not applying

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On, XX/XX/, I sent a letter to TransUnion asking them to investigate my credit report for accuracy. The investigation letter is attached below. They did not investigate nor did they respond to me in writing within the 30 Days required by the The FCRA, The Fair Credit Reporting Act, " says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. '' On XX/XX/, TransUnion sent me a letter that made it very apparent that they were trying to stall the process of having to properly investigate my credit file. In this letter they claimed that it appeared that my initial request letter was coming from a Third Party and not from me. That this Third Party needed to identify themself. ( See Attached ). 

On XX/XX/, I sent a certified letter to TransUnion stating that they had violated FCRA by not investigating and responding within 30 days of my request to investigate and they must by law now remove All negative items reporting on 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 2023-06-09 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: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/XXXX  I transferred money in the amount of {$1700.00}. I transferred my money from my XXXX XXXX XXXX. Then I receive a alert stating that my account has restrictions in place and to review the email that I was sent. I interacted with email trying to verify my identity but with no use. I called their customer service number with no help. There is {$5000.00} that I dont have access to. I have been trying to resolve this issue in a timely manner ; but they are not cooperating. Im believe that Chime Financial is a scam and they are stealing peoples hard earn money. Furthermore they mislead me into sending them personal information with the notion what it would resolve the issue. I was wrong, Chime Financial keeps making obstacles so I cant verify my identity. It feels like they dont want me to have access to my hard earn money. They business experience that Ive had with Chime is terrible. I am certain that Chime a subsidiary company of XXXX XXXX XXXX XXXXXXXX is committed consumer fraud and financial fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

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 2023-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CHALLENGE FINANCIAL SERVICES
State: CA

Complaint narrative:
I took out a loan with Challenge financial to buy a used vehicle. Challenge Financial picked up my car from a tow company XX/XX/XXXXXXXX  after it was towed XX/XX/XXXXXXXX  because it was in a red zone. I did not call them to pick up my car they simply voluntarily decided to do that. I went to go pick it up from the Tow Company and the Tow Company informed me that the legal owner had picked it up which was challenge financial. I asked them if I could get my car from them they want to charge me an additional {$600.00} to get it that I would not have had to pay. Had they allowed me to pick it up from the tow yard. The cars payments were not behind at the time that they picked it up on XXXX XXXX. I would like them to waive that {$600.00} fee for picking up the vehicle because they had no right to pick it up, and I did not request them to pick it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
Issue 1 : On XXXX XXXX ; my VA XXXX check ( XXXX $ ) had hit an USAA account that had just been charged off and closed the day prior due to the account was in the negative. Once the the charged of amount was taken care of the bank sent a corporate check worth XXXX XXXX  out and I verified that it was suppose to come to me and have my name on it. Half way through XXXX ; I did not receive the check so I tried calling into them but because I was not able to verify my identity over the phone ; cause I had a new phone, due to the previous one being stolen. On the XXXX of XXXX was finally able to gain access to the USAA and foudn out that the check had been sent to my first ex wife at her address due to her being the primary account holder. I talk to them and they sent a request to reissue out a new check to me in which I got on the XXXX of XXXX. Attempted to cash it and was denied due to the check not being placed in the positive pay status. On the XXXX, I got the bank to reissue out a XXXX check and here it is still the XXXX and I am waiting for that amount of funds. 

Issue 2 : I created a new account on the XXXX of XXXX with USAA and attempted to cash a XXXX party check that was made out to me by my friend but was denied due to a stop payment with the other person 's bank. This placed a flag on my account for fraudulent activity. I received my XXXX VA XXXX check on the XXXX of XXXX for the total of XXXX. I spent almost XXXX dollars of that account before this account went to credit receiving only status. Since I misplaced my debit card ; I was attempting to send myself my money over XXXX XXXX using the tap to pay and this flagged my account again for fraudulent activity. The reason why the account went into the credit receiving status is because of the flags for fraud and the bank started the process of closing the account down. They told me that the closing procedure takes 60 days total before it closes and only at that time ; if there are funds available they would send it to me in a corporate check. Everything has already posted on the account by the XXXX of the month and the remaining balance is XXXX XXXX 

Here I am being a XXXX XXXX XXXX XXXX veteran at day 40 without any cash at cause the check is my only means of currency. I am about to be evicted and my utlilities are going to be shut off ; plus my car is currently in the impound since the XXXX of XXXX due to not having the funds to get out and each day the car gets another XXXXXXXX XXXX added to it. So I am looking at possibly XXXX XXXX just to get it out of the lot.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I TOOK OUT Q SECURED CREDIT CARD WITH US BANK. I PLACED {$5000.00} TO SECURE MY CREDIT CARD. THE FRAUD TEAM SAID I WAS DOING SOMETHING THAT I SHOULD HAVE NOT HAVE DONE AND THEY CLOSED MY CREDIT CARD WHEN I WAS OUT OF THE COUNTRY. THEY WOULD SPECIFIC REASON FOR THE CLOSING ACCOUNT. I ASKED THEM TO USE THE MONEY THAT WAS PLACED TO SECURE MY CREDIT CARD TO PAY OFF THE OUTSTANDING BALANCE AND SEND ME THE DIFFERENCE. THE REP SAID IT WOULD BE 2 BILLING CYCLES SO THATS 90 DAYS. I FIND THIS VERY UNFAIR, UNETHICAL. THIS IS GOING TO HURT MY FINANCIALS SINCE I CAN NO LONGER USE THE FUNDS. I WOULD LIKE THE BACK TO SEND ME MY FUNDS BACK AS THEY HAD NO RIGHT TO CLOSE THE ACCOUNT AS I DID NOTHING WRONG.

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 2023-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello. 
XX/XX/2022 my parents bought me an XXXX  and XXXX  XXXX from XXXX XXXX and charge was XXXX total and they used my card to do so. 
At the same month I returned the items because I didnt like them and I wanted to use the money to treat mom and dad for vecation. 

Mom returned my items and XXXX XXXX employees told her you should get your money with in couple of days. It was on Friday so weekend make it take longer than usual. 

Couple of days passed and still I havnt received my money. Contacted XXXX XXXX and told me oh there was an error, please contact your bank and see whats going on. 

I contacted wells. Wells Fargo messed my accounts, first they did it under fraud. Then they changed it a month later to dispute then back to fraud then back to dispute. Its been 6 months and I got a letter saying my dispute is denied. 

I been a customer for over 20 years. Never ever had a bad experience like this. 
I want my money back and I dont know what to do. Wells Fargo not helping, XXXX XXXX saying contact your bank and my bank telling me to contact Apple Store Please help me out

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 2023-06-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
In XX/XX/2023 my identity was stolen. I placed a credit freeze on all of my accounts and asked for a fraud alert to be placed. I am not sure if the fraud alert was placed because this week I was told that there was no fraud alert. After I alerted experian that my identity had been stolen and asked for a fraud alert and a credit freeze, they allowed the criminal to open a membership account in my name but with their phone number and address. The criminal was able to unfreeze my credit. I have made numerous phone calls and sent countless emails about this situation. It took hours of my time to get them to close the membership account that was never mine but had access to my information.Since then my credit has been unfrozen several times. I recently found out that that fraudulent membership account was reopened and it was not by me. The criminal was able to change my mailing address in the DMV system and was mailed my new drivers license. They are aggressively trying to buy cars in my name in XXXX XXXXI have spent hours on the phone this week trying to fight this. If my credit was locked as it should be then I wouldn't have this problem. I haven't been able to reach a person at Experian this week. They sent me an email with a case # saying their is a fraud investigation and that they tried to call me. They didn't try to call me because their is no message or missed call on my phone. I have called the number from their email multiple times and left message that my credit needs to stay frozen and they need to remove the membership account and online access. No one has returned my calls and yesterday my credit was unfrozen again. They are doing more to help the criminal than they are to help me and it makes me wonder if there are criminals working there. This has been extremely stressful and time consuming and I am having to take time away from work in order to deal with it. The criminals were almost able to make a purchase of {$130000.00} in my name at XXXX this week. They are professionals and keep trying to make purchases and get credit cards. I need my credit to be frozen and stay frozen. I also want the membership account which was never mine deleted permanently. I would never do business with experian after this experience. I have made many phone calls and sent several emails to experian explaining the situation and asking for help yet nothing changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: NY

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 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: NY

Complaint narrative:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay.

Company response to consumer: Closed with explanation