vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I downloaded Chime mobile banking approximately 4 years ago. Initially, I loved it, and was a big fan of their XXXX XXXX  card, but I never used it as my main source of banking / spending, so often times I had no balance. 

I lost my credit builder card, and in XXXX of XXXX, I decided I was going to order a new one and continue using Chime. 

I ordered my new card and deposited {$100.00} to my Chime account on XX/XX/XXXX, and another {$100.00} on XX/XX/XXXX. 

About XXXX hours later, I was notified my account was on hold. When I reached out to customer support, I was told this was due to suspicious activity and they can not expand further. 

They requested various different documents in order to prove my identity, and each time I was told my documents were not sufficient. When I asked what *specifically* did they need, I only received automated emails and was not able to speak to a human. 

Ultimately, on XX/XX/XXXX I was notified that my account was closed. 

To this day, I still have never received those funds.

When I try to login to Chime, Im prompted to create a new account, however upon trying this, I was told I am unable to do so and they can not provide further details.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax did not remedy the issue they created on my credit file. They have my name wrong an said they they have check into the issue and asked me to send them documents. This is not an appropriate response. Where is the proof they checked with any creditor as they did not show this actually happened an it took them more than 30 days to do absolutely nothing, but ask me to help them. NO! They created this problem and they should fix it. I would like to see proof that they actually contacted a creditor that they said has my name wrong. They will not be able to do this as there isn't any. They are not telling the truth! None of my creditors or even other credit reporting agencies have ever come across this problem. Equifax must fix this issue once and for all without any help from me as I didn't create this issue, they did! I want this taken care of immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
My car was totaled on XX/XX/year> by my XXXX Still to this date I am not sure where my car was even totaled or what happened. 

I did my part and was active with reporting any new documentation, news, or anything related to the accident and with the temporary attorney that my ex had hired. 

I was not provided ANY information from this company other than the other parties insurance companies phone for me to get in-touch. I was not able to get in-touch with anyone. 

As I have done the entire time since my car was totaled I was following up with the company. After them first marking it as a repossession, I was confused but they worked with the tow truck yard more than they did me. My car was sold without my knowledge and I now owe them over {$8000.00}. In the previous month my account was actually in a settlement deal of about {$2000.00}. Before the settlement amount I was almost done paying for my car. With the lack of communication or what I was supposed to handle as this is my first totaled vehicle that was financed. I was unsure and no matter how many times I reached out to them they failed to mention this amount which is now showing horrible on my credit as well as the repo. that has been reportedly been fixed but still reflects on some credit reports. 

Documents attached are my last bill to them and the current charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase is holding deposits into my small business account as a common practice for 1015 days. I went to the local office with my client on the phone and provided a print screen of my client 's account stating the amount was debited, but still, Chase says it was trying to get the money from my client. This has happened many times. 
The same is happening to other friends and business partners I have that use Chase.

Last year, I had an issue because Chase held deposits made at the end of the year, and I was unable to process end-of-year bonuses for my employees. I ended up with a tax liability, even though that money was already earned by the employees, and I was supposed to pay them their end-of-year bonuses. 
I would suggest not using Chase. 
I'm wondering how much money Chase is making by holding the funds for their millions of clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Hello, I received two AMEX Gift Card from my employer. I activated both not long after receiving them in XXXX. Neither card works and are declined everywhere and through every mode of payment. Ive tried in store purchases, online purchases, gas stations, restaurants, etc. These are cards do not work ( I have a {$0.00} charge pending on XXXX ). 
I called AMEX and was told that the cards should work via my XXXX XXXX. I added to the XXXX XXXX as suggested, and that too didn't work. I was also told that any place that accepts AMEX these cards would work. That too has proven to be false. The most bizarre being that the cards also don't work for online purchases. 
As I have had these cards for over a year at this point I would just like a check with the total balance of the cards so that I can actually access the money that is owed to me. 
I can't find a resolution with AMEX. The phone tree is horrible and actually getting to a live person takes hours. I got to a live person once and was told that I couldn't transfer the balance of these cards, nor could they provide me with new ones that worked. I tried every FAQ measure listed on their site and those too don't work. At this point I just want the balance of my cards. 
Card numbers are : XXXX ; XXXX Code : XXXX ; Exp Date : XX/XX/XXXX ( {$500.00} ) XXXX ; XXXX Code : XXXX ; Exp Date : XX/XX/XXXX ( {$500.00} ) Please let me know if you can help or if there are any additional details that I can provide to assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Recently I reviewed my credit report and noticed inaccurate personal information.

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 2024-12-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX  XXXX DEPTEDNELNET XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
Dear CFPB, I am writing to demand the immediate removal of fraudulent credit inquiries that have appeared on my credit report as a result of identity theft. These inquiries were made without my authorization, and the credit reporting agencies have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). I require these inquiries to be removed within four ( 4 ) days of receipt of this letter.

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 2024-12-02 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: TX

Complaint narrative:
Dear CFPB, I am writing to demand the immediate removal of fraudulent credit inquiries that have appeared on my credit report as a result of identity theft. These inquiries were made without my authorization, and the credit reporting agencies have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). I require these inquiries to be removed within four ( 4 ) days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with JEFFERSON CAPITAL SYST, They did not provide me with the original contract as I requested. JEFFERSON CAPITAL SYST called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until JEFFERSON CAPITAL SYST, proved me with the original contract they have to remove asap from my credit reports. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This item was purchased by a Third Party Debt Collector ( JEFFERSON CAPITAL SYST ). This account must be deleted as the status is not correct, the amount is not accurate, and the account was paid for less than owed by the Third Party Debt Collector. As you can see from my credit reports and highlighted issues. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY. Here is the account name : JEFFERSON CAPITAL SYST and Account number : XXXX for reference and incorrect amount also. How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: CA

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aqua Finance, Inc.
State: IL

Complaint narrative:
Aqua finance has a debit of around XXXX For some type of tractor that I never owned or had, I asked them to send proof but they didnt. 
Another account called XXXX XXXX is showing negative on my account but I never had knowledge of account. XXXX XXXX has a fraudulent acccount opened in my name balance of XXXX dollars. Police reports were sent out to all creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Account set up for automatic payment of the entire balance each month. I rarely used this card and unknown to me, the automatic payment got turned off and I missed a payment. Bank of America reduced my available balance from {$19000.00} to {$700.00} without contacting me about any of this. No past due balance calls or emails and no calls about reducing credit. The reduction in available credit negatively impacted my excellent credit score by a considerable amount. I think they used this tactic to get rid of me since I didnt use this card very often.

Just doesnt pass the smell test!

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 2024-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Greetings I have NOT received the Documents from you, I REQUESTED ( PURCHASE AGREEMENT ) .You Failed to show PROOF OF Ownership. You Are STILL Reporting INACCURATE, Incorrect, Information on my Credit Report.

I'm reporting you to the Attorney General, because you Purchased my PERSONAL INFORMATION, WITHOUT MY CONSENT.You are now in NON COMPLIANCE with the F.C.R.A Section 611 15 USC 1681 ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently I reviewed my credit report and noticed inaccurate personal information which is causing harm ti my credit file.

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 2024-12-02 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-02 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: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation