vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 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: NY

Complaint narrative:
- An unauthorized payment was made by someone using my debit card info today. I filed a dispute. The two unauthorized charges were {$9.00} and {$1.00}. 

- The estimated review month was XX/XX/XXXX so I called chime asking why it was going to take so long. 

- They confirmed the review date was XXXX but I would receive a preliminary credit on the XX/XX/XXXX. Besides the fact that if this was a larger payment this would hurt me because I have bills due NOW where if I dont pay them my life is ruined ( credit score ruined, eviction from apartment, etc )- They told me though that if the claim was denied Id owe them the credit. So if I receive the credit for {$9.00} and {$1.00} on the XXXX and the claim is denied in XXXX then Ill have to pay Chime back credit for the {$9.00} and {$1.00} that was for an UNAUTHORIZED payment. 

All in all now I feel unsafe keeping my money with chime financial products like checking, savings, and especially the secured credit card due to the fact that if a claim is denied even if the payment was unauthorized I end up potentially losing hundreds of dollars, and if used with my credit card it would damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: NC

Complaint narrative:
I have noticed several inaccuracies in the consumer report you have compiled in my name. 
You are reporting accounts with a charged off status. These accounts have been reported to the Internal Revenue Services as income by the alleged creditor. 

Please immediately remove the following accounts from my consumer credit report, as they are damaging to my reputation and should not be there, per the Fair Credit Reporting Act. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : opened XX/XX/2021 ; XXXX XXXX  XXXX XXXX ; XXXX  : Opened XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX This complaint is being submitted by me, the consumer. I have attached a copy of my identification to verify this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I opened Checking and Savings accounts with Chase. I attempted to transfer {$2000.00} to the accounts to meet their minimum balance requirements to avoid paying fees. Both account were soon closed. I went into a branch to ask why, but the banker told me he could not give me any information, just that, " at this time Chase has chosen not to do business with you ''. 

On XX/XX/XXXX, I saw that Chase was doing a promotion where you will receive {$200.00} if you open an account and receive a direct deposit within 90 days. I decided to apply for a Checking account with Chase again. I received a message saying " we can not open account for you at this time with the information you have provided. '' On XX/XX/XXXX I went into a branch to ask for help. The banker called the " back office '' to figure out why my accounts were closed. The banker told me that it was because the account I had initiated a transfer from was not in my name. My bank account was opened when I was a child, and was a joint account with my mother. I emailed the banker a statement showing my name on the account, and I was able to open new Checking and Savings accounts with Chase. 

On XX/XX/XXXX I transferred {$300.00} into the Savings account to meet its minimum balance requirement without fees. 

On XX/XX/XXXX I tried to log into Chase 's mobile app to set up direct deposit to my Checking account, but I received a message saying my account was suspended. I called the banker I spoke with on XX/XX/XXXX for help. He called the " back office ''. The banker told me the checking account was being closed, but my restriction had been lifted and I could now sign in again. He recommended I try to open a checking account again. 

On XX/XX/XXXX, I opened a new Checking account. 

On XX/XX/XXXX, I tried to log into Chase 's mobile app but I received another message saying my account is suspended. 

On XX/XX/XXXX, I called the banker to ask why my account was locked. He told me he did not know, and to call the number ( XXXX ) XXXX. After staying on the line for 43 minutes, I was told they do not know why my account was locked. The rep lifted the restriction, but told me that my checking account would close and to open a new one. I said I have gone through this process, and asked what guarantee I have that the account won't be closed again in a few days. The rep said they can not say.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/2021 Balance : $ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 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: Bliksum, LLC
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Open Date XX/XX/2016 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: ERC
State: MD

Complaint narrative:
WHAT THE XXXX??? This is my XXXX attempt at respectfully trying to achieve a lawful resolution to my situation. I've asked on XXXX occasions to have an investigation of items that are reporting inaccurately on my credit report removed. My complaint was closed ( XXXX ) as the company ERC is using a stall tactic claiming that I am using a XXXX party to submit these requests and that additional authorization was needed. I am reopening my case offering my statement as proof that no such XXXX party exists in submitting my disputes. I've recently received notification from the credit reporting agencies that the inaccurate information on my consumer report continues to report as being verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit reporting agencies to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a XXXX party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed. I immediately demand that the entry that I have disputed is permanently deleted from my credit file as it is reporting incorrectly. Should ERC refuse to do so, I will have no choice but to continue invoking my rights under the Fair Credit Reporting Act, Section 616, to pursue legal action to make me whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: VA

Complaint narrative:
FIELD ( 25 ) FCRA Compliance/Date of First Delinquency - XXXX XXXX  is reporting an inaccurate Date of First Delinquency to two major Consumer Reporting Agencies ( equifax XXXX XXXX ) and XXXX has no date of first Delinquency at all. 

The Date of First Delinquency for equifax and transunion shows as XXXX XXXX which is inaccurate reporting according to FCRA Compliance. The file is not aging correctly and is affecting my credit scores.The Date of First Delinquency is used by the consumer reporting agencies to determine when delinquent data is to be deleted, pursuant to the Fair Credit Reporting Act ( FCRA ) and Date of the first delinquency with the original creditor that led to the account being sold or placed for collection. The format for XXXX is XXXX and the exact date should have been provided for this account for accuracy. 

Also for the account on the XXXX report XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) account status shows {$1200.00} past due as of XX/XX/XXXX. I have not been in communication with the collection agency to establish any arrangements to pay therefore a past due amount should not be reflected on this account. 

On the Equifax report for the same account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Past Due shows {$1200.00}, as stated above I have not been in with the Collection agency to establish any arrangements, therefore they should not be reporting a past due amount. 

The FCRA states that companies which furnish data to the consumer reporting agencies have a responsibility to provide accurate information and only inaccurately reported accounts should be deleted. In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the day commencement of the delinquency on the action that immediately preceded the action.FCRA 623 ( a ) ( 5 ) ( A ). 

Since XXXX ( XXXX ) was not provided the Date of First Delinquency for the account witXXXX XXXX XXXX within 90 days after furnishing the information for this account as required under the Fair Credit Reporting Act FCRA 623 ( a ) ( 5 ) ( A ), the account should be deleted from all three Consumer Reporting Agencies to preserve the integrity of my credit Portfolio and accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Open Date XX/XX/2016 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On XXXX XXXXXX/XX/23 I deposited a check for {$22000.00} through mobile deposit. The account showed the entire amount was immediately available. I called USAA to verify this and once it was verified, I initiated a wire transfer for {$18000.00} to pay for a business I am in the process of buying. Over the weekend on XX/XX/23, I received a call saying the check was being looked at for fraud. As this check was issued by XXXX and came from a XXXX loan I took, I explained the situation to USAA and after several hours of going back and forth, I was told the problem was resolved. On XX/XX/23 the wire went out as scheduled. On XX/XX/23 the wire was withdrawn from the receiving bank by USAA. When I called to get it fixed, USAA indicated it was because someone did not close out the previous matter. They said it would take XXXX business days to resolve the issue and until then not only was the wire withdrawn, but my checking account was frozen. This action is damaging my personal and professional reputation, potentially my credit score, and my access to my other funds in my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX IS NOT A DUPLICATE ****** Defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE ACCOUNT ending in XXXX was charged off in XXXX  and paid in settlement. New York State FCRA mandates that this account be deleted from my personal credit report. I have reached out to XXXX to have account removed, as well as Capital One. This behavior is abusive on their part, even with laws on the books they still skirt the law. See XXXX XXXX XXXX ( f ) ( iv )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Open Date XX/XX/2019 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX Open Date XX/XX/2019 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
I would like to formally recommend a thorough review of the practices of Santander Consumer USA for auto loan fraud. They have failed to apply payments according to the law on a fully amortized term auto loan. They have charged excessive fees to make payments. They have committed countless FDCPA violations by failing to send debt validation notices. They have innaccurately reported my balance to the credit bureau for 7 years. 

I have a fully amortized auto loan that originated with them in 2013 and over the term of the loan there are XXXX instances where they did not apply any of my payment to principal at all and countless other months they only applied very little. I pulled a simple amortization schedule with my loan terms and for the entirety of my loan contract of 6 years not a single payment was applied according to my contract. 
This has caused them to report incorrect balance owed of {$9000.00} plus after making all of my amortized payments. In addition, they repossesed my vehicle causing damage to the interior door locks and windows which now don't work causing thousands in damages to my car. After reporting it they have done nothing to rectify the damage or the invalid application of my payments. In addition XXXX FDCPA violations where they have failed to provide me debt validations notices required by law. They have lost XXXX of the largest class action lawsuits in history XXXX brought on by XXXX states and are still are violating the law now because no one is holding them accountable or auditing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Im a consumer a natural living man. All debts are obligations of United States. I did not give any consent. I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between XXXX XXXX XXXX and I and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. There furnishing deceptive forms. XXXX XXXX has XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
Im a consumer a natural living man. All debts are obligations of United States. I did not give any consent. I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between XXXX Recovery/ XXXX and XXXX and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. There furnishing deceptive forms. XXXX RecoveryXXXX has XXXX a XXXX. Its discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im a consumer a natural living man. All debts are obligations of United States. I did not give any consent. I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between XXXX XXXX XXXX and XXXX and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. There furnishing deceptive forms. XXXX XXXX has XXXX a crime. Its discrimination

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