vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: VA

Complaint narrative:
XX/XX/XXXX I got emails saying my phone number and email were updated on my Chime account. 
I then had 4 different charges back to back to back 2 for XXXX one for XXXX and one for XXXX. 3 at XXXX XXXX and one other charge. 
So of course I see this, I freak out and email Chime multiple times. I said hey, someone else is accessing my account, it isn't me, several emails... they switched it back, the other party then changed it again and I panic and email Chime again and told them of the fraudulent charges that drained my bank account. 
They let me know that I can dispute the transactions once they were no longer pending. 
The next day, my email changes again and it isn't me doing it. I notify Chime of this. They switched it back... so that evening XX/XX/XXXX, I'm able to dispute the charges because I can use my app at that point .... next morning XX/XX/XXXX I see where I have a new card on the way, my funds are being refunded. Later that day I get an email... however I'm addressed as XXXX and not XXXX, and told my account is on hold. I'm enraged at this point and I email back saying my name isn't even XXXX ... and told them what was happening. 
I later get an email that my account is being closed and I won't get my money. 
Yesterday and today, I get an email asking for a picture of my ID front and back ... and a selfie of me holding my ID with a paper held up with name date on it. 
I did that twice yesterday because they said I didn't provide the documents the first time... same with today XX/XX/XXXX... I emailed them those pictures twice. I then received an email saying my account is closed and not getting my money. 
That account had every XXXX I had to my name in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
CFPB XXXX : XXXX Customer Service XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : Chase Credit Cards Customer Service XXXX XXXX XXXX XXXX, DE XXXX Dear CFPB : I would like to report to you what kind of customer service we have been receiving from Chase on our XXXX credit card : - XX/XX/22 attempted a purchase which prompted fraud concern on the part of Chase - We replied to the text from Chase indicating that the charge was legitimate - Subsequent charges from other merchants were declined - On XX/XX/22 I called Chase customer service and was told that Chase had locked our account without telling us in order to conduct an identity review. I was assured that Chase would be in touch with us within 2 business days. 
- On XX/XX/22 I called Chase customer service and was then assured that I would be getting a call within " 15 minutes. '' I did not get a call back. 
- The card is still locked and we have not heard anything from Chase. The XXXX/Chase card is unusable. 

I must conclude that these are the actions of a company that does not care about its good customers. If Chase intends to close our account they could simply tell us, and we'll move on. I signed up for this credit card in order to earn XXXX XXXX miles, but I understand that there are many other airlines to choose from. 

I am looking forward to your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06 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: NC

Complaint narrative:
In or around XX/XX/XXXX I noticed XXXX ( Acct # XXXX ) listed on my credit profile and asked Experian to verify the information. Correspondence from Experian company stated the information was reviewed and verified. Whereas I disagreed with their findings, In XX/XX/XXXX according to FCRA, Public Law 91-506 Title VI section 611 Subsection A-D, I asked Experian to reinvestigate the alleged account and to provide the method in which you verified along with any supporting documents. On XX/XX/XXXX I received correspondence from Experian stating the account was again verified and accurate. However, it is not! 

As reported on my consumer report ( attached ), the alleged account ( XX/XX/XXXX( Acct # XXXX ) was charged off XXXX of XXXX. Since then, the account has repeatedly been updated as charged off every month. To my understanding a charged off account should NOT include an active payment history. Experian 's failure to verify this account is now causing me financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: Experian Information Solutions Inc.
State: GA

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

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Receivable Management Services LLC
State: NC

Complaint narrative:
They sold my medical informationto another creditor and its a HIPAA violation to send information to another company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: MI

Complaint narrative:
In accordance with the Fair credit reporting act 15USC 1681 section 602 section 8 States I have a right to privacy And 15USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish my acct without written instructions. 
Info : XXXX XXXX SS # XXXX Complaint to XXXX, XXXX and Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-06 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair credit reporting act 15USC 1681 section 602 section 8 States I have a right to privacy And 15USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish my acct without written instructions. 
Info : XXXX XXXX SS # XXXX Complaint to XXXX, Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX...

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

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

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06 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: EQUIFAX, INC.
State: GA

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

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
I want to file a complaint about a debt that is on my credit that I have no knowledge of. I dont even know what company the debt is with. I have worked so hard on keeping my credit up to standards, and to have a derogatory mark on my credit is awful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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 XXXX XXXX XXXX account number : XXXX - {$230.00}, XXXX, XXXX account number : XXXX - {$200.00}, XXXX XXXX XXXX account number : XXXX - {$280.00}, XX/XX/XXXX account XXXX, XXXX. XX/XX/XXXX XXXX account number : XXXX - {$65.00}, XXXX account number : XXXX,XX/XX/XXXX account number : XXXX - {$420.00}, XX/XX/XXXX XX/XX/XXXX XXXX XXXX account XXXX : XXXX, XX/XX/XXXX account number : 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number : XXXX - {$230.00}, XXXX, XXXX account number : XXXX - {$200.00}, XXXX XXXX XXXX account number : XXXX - {$280.00}, XXXX XXXX XXXX  account number:XXXX XXXX. XXXX XXXXXXXX account number : XXXX - {$65.00}, XXXX account number : XXXX, XXXX XXXX  account number : XXXX - {$420.00}, XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX  account number : 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 an account without my written instructions.

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

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/XXXX Account # XXXX  -XX/XX/XXXX XX/XX/XXXX Account # XXXX -XX/XX/BridgecrestAccount # XXXX XXXX 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 an 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 items 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 2022-06-06 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:
In or around XX/XX/XXXX I noticed XXXX ( Acct # XXXX ) listed on my credit profile and asked XXXX to verify the information. Correspondence from XXXX company stated the information was reviewed and verified. Whereas I disagreed with their findings, In XX/XX/XXXX according to FCRA, Public Law 91-506 Title VI section 611 Subsection A-D, I asked Experian to reinvestigate the alleged account and to provide the method in which you verified along with any supporting documents. On XX/XX/XXXX I received correspondence from XXXX stating the account was again verified and accurate. However, it is not! 

As reported on my consumer report ( attached ), the alleged account ( XXXX XXXX Acct # XXXX ) was charged off XXXX of XXXX. Since then, the account has repeatedly been updated as charged off every month. To my understanding a charged off account should NOT include an active payment history. XXXX 's failure to verify this account is now causing me financial harm.

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

Complaint narrative:
In accordance with the fair credit reporting act and Title 15 Annotated commerce and trade .The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Us dept of ed/XXXX XXXX XXXXXXXX XXXX XXXX XXXX/Dept of ed # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. its also states a consumer reporting agency can not furnish a account with out my written instruction.

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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2022-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIRSTBANK PUERTO RICO
State: NY

Complaint narrative:
I have a loan with XXXX XXXX ( belongs to First Bank ). This loan is protected under SCRA law. While being away for training for many months the loan was marked as bad debt. I tried making payments in order to refinance the loan and bring it up to date. While making payments I noticed my SCRA law benefits had been taken away. Changing the 6 % interest cap rate, to a daily charged interest that has brought my account from a {$4400.00} balance to a {$5700.00} balance. Under the SCRA, the Attorney General is authorized to file a federal lawsuit against any person ( or entity ) who engages in a pattern or practice of violating this law. 50 U.S.C. 4041 ( a ) ( 1 ). When the Attorney General files a lawsuit under the SCRA, he has the authority to seek monetary damages on behalf of individual servicemembers. Id. at 4041 ( b ) ( 2 ). The Attorney General also has the authority to seek civil penalties, equitable relief, and declaratory relief. Id. at 4041 ( b ). This is the second time this institution has violated my SCRA rights. I have make multiple attempts to fix this situation. Collections supervisor XXXX XXXX has never been available to attend or return my calls. I need this illegal interest to be retroactively removed from my account and I ask for my account status to be set as current up to date, as a remedy for this illegal action for a second occasion with the same creditor and in order to avoid legal action at the federal level with my representation from Judge Advocate XXXX XXXX ( XXXX ). It is worth to mention I have evidence of multiple emails sent to XXXX XXXX, XXXX XXXX and other employees, with all military documents proving my SCRA eligibility. I have also contacted the XXXX XXXX on XXXX XXXX XXXX times and one has been able to assist. Once again I ask for my account status to be changed to current so I can resume payments, and the interest retroactively adjusted to 6 % in order to avoid a federal lawsuit for this illegal pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I tried to remove all negative reporting off my consumer report All 3 credit bureaus refused to remove all accounts Now I am demanding validation of each debt Pursuant to 15 usc 1692g

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are 8 WILFUL FCRA Violation on my consumer credit report, EQUIFAX was aware their actions would cause harm to me but went ahead and did them anyway. 

Withholding account data with intent to negatively affect my consumer credit scoreXX/XX/XXXX credit limit, by falsely reporting in Comments : Credit card Amount in H/C column is credit limit which report {$0.00} that is affecting my consumer credit report score and utilization. 

1. XXXX XXXX 2. XX/XX/XXXX XXXX XXXX* 3. XX/XX/XXXXXXXX XXXX 4. XX/XX/XXXXL XXXX XXXX 5.XX/XX/XXXX XXXX 6.XX/XX/XXXXXX/XX/XXXX XXXX 7. XXXX XXXX XXXX 8. XX/XX/XXXXXXXX I provided factual info directly from the credit report. See files that is uploaded 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) in general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has been negligent in removing thirteen ( 13 ) credit accounts that are all appearing as paid closed accounts, the date reported is more than ten 10 years from the Date Reported on all of these accounts. Note that Equifax is the only credit reporting repository that is still reporting these old stale dated accounts. 
1. ) XX/XX/GATEWAY- Closed XX/XX/XXXX XXXX. ) XX/XX/LENSCRAFTERS- Closed XX/XX/XXXX XXXX. ) XX/XX/WALMART- Closed XX/XX/XXXX XXXX. ) XX/XX/GAP- Closed XX/XX/XXXX XXXX. ) XX/XX/QVC- Closed XX/XX/XXXX XXXX. ) XX/XX/CARECREDIT- Closed XX/XX/XXXX 7. ) XX/XX/XXXXXX/XX/CARECREDIT- Closed XX/XX/XXXX XXXX. ) XX/XX/ULTRA- Closed XX/XX/XXXX 9. ) XX/XX/XXXXXX/XX/THOMASVILLXX/XX/XXXX Closed XX/XX/XXXX 10. ) XX/XX/PEACHDIRECT- Closed XX/XX/XXXX 11. ) XXXX XXXX Closed XX/XX/XXXX 12. ) XX/XX/IKEA- Closed XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX- XX/XX/XXXX

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

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX Original Creditor : acct XXXX XXXX XXXX XXXX  acct XXXX 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 instruction.

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