vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: LA

Complaint narrative:
I sent money from my chime account to someone via XXXX XXXX in the amount of {$600.00} on XXXX XXXX to purchase a product. This person accepted the cash app and later sold the product to someone else and did not return my money. I have spoken with representatives at chime and XXXX XXXXXXXX  only to have my disputes denied by chime. Representatives at XXXX XXXX said that my money was refunded back to chime on XX/XX/2023 and I was also provided a confirmation code for the refund from XXXX XXXX. I still have not received a refund from Chime or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
Someone pretending to be chime agent hacked my account and moved the money telling me that your check will deposit into a new card. I need it for purchasing a home so they saw all the money in my account and new you were an easy target. Now you are fighting to get your money back because chime wont help. I want to let you guys know about the app the person made you download and then took access over your bank account. App is XXXX, Just that they pretended to be chime, downloaded the app to access my account and moved all your money within minutes & after a few hours everything was gone. Chime only gave back partial but you still missing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX XXXX sold my debt to resergent capitol witch is the third party collector resergent says they don't have the debt for the amount of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RESOURCE MANAGE {$240.00} XX/XX/2023 THESE NOT MY ACCOUNT I HAVE NO KNOWLEAGE OF THESE ACCOUNT NOR DID I AUTHROIZE ANY ONE TO OPEN THESE ACCOUNT IN MY NAME. THESE CREDTORS ARE VOLIATES SO MANY OF MY RIGHTS AND I WILL LIKE THESES ITEAMS REMOVED OR I WILL HAVE TO SUE THESE COMPANIES FOR EXPOSING MY PERSONAL INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting 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:
On XX/XX/2023 I filed my FTC report because of hard inquiries I in no shape or form authorized. I have settled the matter with XXXX XXXX XXXX but Equifax has been stalling on me for now over 45+ days. It started with my first dispute on XX/XX/2023 and was met with a Equifax response on XX/XX/2023 saying that the inquires were factual but they did not investigate at all and I found this out after calling their customer support that same day and they told me they couldn't process my dispute because of my " License & Social Security card '' weren't verifiable. I resubmitted a new dispute ( XX/XX/2023 ) with better quality pictures of my License & Social but this time the dispute came back verified before I talked to anyone on the phone at Equifax. I was also told by them that uploading directly to their website was better & I tried that and was met with the same demise. I am now submitting my THIRD dispute to them and also submitting this complaint alongside it. Thank you for your time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 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: TX

Complaint narrative:
On XX/XX/2023 my Chime account was hacked and numerous unauthorized charges were made on my account I contacted Chime Bank to report the unauthorized charges and dispute them. Chime Bank says they investigated my claim and has denied all of the unauthorized charges the charges were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All of these unauthorized purchases were made on XX/XX/2023 while I was at work. I notified Chime on the same day and immediately disputed these unauthorized charges and till this day they have not replaced my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
See letters sent, there are multiple errors on my credit report and they need to be rectified

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I currently have some unauthorized inquiries appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My XXXX account was hacked on XX/XX/XXXX  which I became aware of via ele electronic notification. A purchase of a bed for {$780.00} was charged to my Capital One credit card on file and being delivered to my address on file. I did not make this XXXX order, it was fraud. I couldn't get the shipment stopped through XXXX or XXXX and the bed was delivered to my home on XX/XX/. I completed dispute process with Capital One and informed them that I had the bed at my address. They provided a provisional credit and upon investigating, determined insufficient evidence of fraud since I had the disputed item in my possession at my address on file and I would have to handle this myself with XXXX. Between all my conversations with XXXX, XXXX, and Capital One, I was waiting for someone to make the attempt to pick up this box and return it to XXXX, but wasn't hearing anything. I have been trying to resolve this with XXXX from XX/XX/XXXX XXXX XX/XX/XXXX  and still don't have a refund! I followed the instructions on the back of my Capital statement : Your Rights If You Are Dissatisfied With You Purchase and mailed a Certified Letter to the address provided. I have a receipt from XXXX that it was signed for and haven't heard a word from Capital One regarding receipt of this or if they assist further. I am attaching all detailed conversations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am closing out my business credit card through Wells Fargo and they will not honor my rewards points. I have attempted to redeem them and request product from their rewards website and they cancel my orders. They will not ship me anything they will not honor the rewards. They will not let me to cash out my rewards. They will not answer their phone calls. They will not answer emails anytime I do get connected through a phone call they have me on the phone for anywhere from 45 minutes to 2 hours and then call gets dropped or disconnected. Ive attempted for the last 20 days to handle this and they refuse to cooperate communicate and honor my rewards points that I have earned. I just want to redeem my points get the money and products that I deserved and close the accounts out. I will no longer do business with Wells Fargo ever again, but they should not be allowed to treat customers like this.

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I am having identity fraud an someone is using my info to apply for credit cards loans cars and more they have put 24 hard inquiries on my credit report took out 2 loans an phone accounts. They have changed my passwords to hack emails and changed phone numbers putting a bunch of notes in my credit report. Ruined my credit I was fixing an had almost a XXXX score and rebuilding on XXXX now it's XXXX I need help no one is helping fix this an now using my government account I don't know the phone number an email passwords to the accounts because I have been hacked how do I fix this an change my account with all proper information and rid the incorrect information on my report do to fraud I have dispute over an over they even stolen my XXXX account information but XXXX won't shut the fraud account down an credit karma was hacked and they wasted about 5 hours an still can't access it please help getting back in my accounts an rid inquirys 24 fraud an repeated attempts for same credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am having identity fraud an someone is using my info to apply for credit cards loans cars and more they have put 24 hard inquiries on my credit report took out 2 loans an phone accounts. They have changed my passwords to hack emails and changed phone numbers putting a bunch of notes in my credit report. Ruined my credit I was fixing an had almost a XXXX score and rebuilding on XXXX now it's XXXX I need help no one is helping fix this an now using my government account I don't know the phone number an email passwords to the accounts because I have been hacked how do I fix this an change my account with all proper information and rid the incorrect information on my report do to fraud I have dispute over an over they even stolen my chime account information but chime won't shut the fraud account down an XXXX XXXX was hacked and they wasted about 5 hours an still can't access it please help getting back in my accounts an rid inquirys 24 fraud an repeated attempts for same credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am having identity fraud an someone is using my info to apply for credit cards loans cars and more they have put 24 hard inquiries on my credit report took out 2 loans an phone accounts. They have changed my passwords to hack emails and changed phone numbers putting a bunch of notes in my credit report. Ruined my credit I was fixing an had almost a XXXX score and rebuilding on XXXX now it's XXXX I need help no one is helping fix this an now using my government account I don't know the phone number an email passwords to the accounts because I have been hacked how do I fix this an change my account with all proper information and rid the incorrect information on my report do to fraud I have dispute over an over they even stolen my XXXX account information but XXXX won't shut the fraud account down an XXXX XXXX was hacked and they wasted about 5 hours an still can't access it please help getting back in my accounts an rid inquirys 24 fraud an repeated attempts for same credit card

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 

Please delete the follow inaccurate names : XXXX XXXX, XXXX XXXX, XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Please delete the following invalid telephone numbers : ( XXXX ) XXXX ( XXXX ) XXXX XXXX filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my 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 non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I currently have unauthorized incurries appearing on my credit reports I have attached support and documentation.

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit report shows 12 open acct with XXXX XXXX XXXX but all the accts are open as well with XXXX same 12 accts with same balance so it is reflecting on credit report as {$110000.00} when it should be half of that amount shows as duplicate just different name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
A letter was written to all the credit agencies explaining and referencing the Fair Credit Reporting Act of the improper use of my credit report which is attached and explains everything. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
back in XXXX and XXXX The DEPT OF ED/XXXX  started to reporting inaccurate Information on my credit report I've made numerous request for the to remove these inaccurate Information on my report and nothing I also ask the to send me proof that they send me a letter stating my account was going to be late, this company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports. also I've paid off two of this accounts and its still reporting inaccurate on my credit report I would like for them to remove these inaccurate report on my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
In XX/XX/2023, Citibank froze my savings account. Claiming that it was inactive, even though I had just deposited money in it in XXXX. The nearest branch is XXXX miles away, so the only way to contact them is with their customer service number. I have called over 25 times in the past 7 months, for help to get access to my account. They say there is nothing that their department can do. They gave me an address and script to say to another department in TX. I have send multiple letters in the mail. The last one I decided to get it certified and signed, which they received in XXXX. Still no response. I've called again and again explaining that the TX office is not helping, but still nothing is done. I just want access to my hard earned savings and to close my 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 2023-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is a response to Complaint # XXXX. This is a response to the violations that where violated within the Auto Contract/ Consumer Transaction. This complaint is going over some of the violations and pointing out the laws that where broken. In USC Title 31 Section 3123 States that '' The Us Government has an obligation to pay 'dollar for dollar ' principal and interest in legal tender ALL DEBTS accrued by the American People '' ( which I Am an American Citizen ) My Social Security belongs to the SSA and any transaction in regards with my social security pays for whatever it is being used for which clearly it was used in the attach documents below stated in TRUTH IN LENDING 15 USC 1601. BEST XXXX XXXX XXXXCAPITAL ONE falsely misrepresented in stating that they are the Seller-Creditor. 15 USC 1602 TRUTH IN LENDING Definitions and rules of construction states " A Creditor refers only to A PERSON who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required ( which in this case was Me, I was the one who extended the credit. I ask Capital one to send a validation of debt breaking down all fees and charges. They didnt send the Finance Charge breakdown. Also XXXX XXXX XXXX XXXX CAPITAL ONE never disclose to me MY RIGHTS OF RESCISSION ( 15 U.S. Code 1635a ) which is a violation of Truth in Lending, this makes them criminally liable for willingly holding out this information and civil liable which is double the FINANCE CHARGE ( {$8000.00} ). ALSO within the first letter i sent i ask to cease all contact and for them to stop reporting to the credit bureaus until all matters are handle and they have not yet accept my wishes i still get calls text messages which is harassment and consider a civil violation as well under 15 USC 1692D!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ARE ALL FRAUD HARD INQUIRIES

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 2023-09-23 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ARE ALL FRAUD HARD INQUIRIES

Company response to consumer: Closed with explanation