vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 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: OK

Complaint narrative:
I have a secondary bank account with Chime but I don't always use this account daily so I don't always log into it daily. I logged in on XX/XX/2022 and noticed that there had been a {$190.00} charge that posted on XX/XX/2022 to somebody or some company named " XXXX  *XXXX  '' that I did not authorize. I immediately filed a claim through the Chime app at around XXXX am on XX/XX/2022. At XXXX pm on the same day I received an email from Chime that stated upon their investigation they have concluded that no error occurred and that no funds will be credited to my account and my claim was considered closed. There is no way that a thorough investigation was conducted in that short amount of time. I immediately found a customer service phone number for Chime and called it. It took me several tries to get through to someone but I finally spoke to a XXXX. He looked up my claim and said that he would reopen it since there wasn't a sufficient amount of time between when I made the claim and when it was closed out. I waited a few hours and logged back in to the Chime app and my claim was still closed out and it was never reopened. There is no way this is not fraudulent activity. The merchant name doesn't even look legit and there is no contact information listed to even reach this merchant. I Googled " XXXX  *XXXX  '' and there is information out from other people 's testaments that this is indeed fraud. If the XXXX stands for XXXX then I have never purchased anything on XXXX and my payment history on the site has no records of any purchase activity nor have I ever linked any payment methods to my XXXX account. On XX/XX/2022, I received Chimes ' investigation documents which were a joke. Chime is basically saying that because my card is still in my possession and because my personal information to my account ( phone number, email address, etc. ) was not tampered with then they don't find any fault in the transaction. Fradulent activity happens daily and the perpetrators don't have to physically have a person 's card in their possession nor do they have to change any personal information to theirs. My primary bank would have caught this unauthorized transaction immediately and/or would have reinstated me the money that was stolen from me. Chime has done nothing at all to help me in this situation. I do not trust my funds in Chime 's possession and feel that if this were to happen again, they will no go to bat for me as their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion is listing personal information ( names, addresses, employers, phone numbers, etc ) inaccurately. 

Transunion is also listing multiple credit inquires on my credit report with most ranging from XXXX XXXX XXXX with the highest number of inquiries being XX/XX/XXXX that were fraud and not authorized by me. I have contacted Transunion with stated information, and they responded that inquiries are " factual ''. This is NOT factual information as these are not my inquires and all of them are either through dealerships or credit unions that is not even in the state in which I am located. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX 's XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion is listing personal information ( names, addresses, employers, phone numbers, etc ) inaccurately. 

Transunion is also listing multiple credit inquires on my credit report with most ranging from XXXX XXXX XXXX  with the highest number of inquiries being XX/XX/XXXX that were fraud and not authorized by me. I have contacted Transunion with stated information, and they responded that inquiries are " factual ''. This is NOT factual information as these are not my inquires and all of them are either through dealerships or credit unions that is not even in the state in which I am located. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I had been dealing with Midland Credit Managent regarding a debt. After a lot of correspondence and phone conferences over years, we struck a deal on XX/XX/2022. I agreed to pay approximately {$1200.00} in full and final settlement. The agent I was dealing with sent me an email stating the amount as describing the payment as a " down payment ''. I explained that something which said " payment in full '' was required before any payment would be made. I even offered to send a check that said " payment in full ''. The agent had me read the email again and told me that the payment wasn't a down payment and he didn't have a form that said " payment in full ''. This seemed quite strange to me, how could a large debt collection company not have some kind of paid in full form? I again informed him that there would be no payment without an indication that the account was paid in full. He became quite abusive - nasty and insulting. This made me even more suspicious and I terminated the call after speaking with a supervisor. My feeling was that after payment MCM was going to come back and say that the payment was only a down payment and money was still owed. 

Because of my precarious financial situation it was important for me to resolve this. Because I was aware of a number of lawsuits and other actions against MCM it would have been stupid to accept someone's claim that " down payment '' equaled " paid in full ''. 

I have attached the email. Please note that nowhere in the email does it say " payment in full ''. This language could easily be describing a one time down payment with other payments to follow. If the payment is meant to be payment in full, why would a legitimate company not just say so?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts : 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, 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 stated a consumer reporting agency can not furnish a account without 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 2022-06-15 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX and 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 a 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 2022-06-15 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX and 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This is the second time that Wells Fargo has received the funds from a check I deposited, and did not make the funds available to me for 10days. In the first case I wrote a check from my business account and could see exactly when the funds came out, the second was from a settle with XXXX I am almost sure the payment has been cleared but they insist on making my funds available in 10days when they already have the money. 
On XX/XX/2022 I made a deposit a portion of the deposit was suppose to be available on XX/XX/2022. If there was something wrong with the check it would not have let me even deposit it. So I dont know what check or issue they have with the check but its a lie.

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 2022-06-15 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: GA

Complaint narrative:
Experian will not take off this account by XXXX XXXX XXXX XXXX my information was leaked by XXXX in a data breach I have filed a ftc identity theft report about this situation, I want this account removed and blocked, I have reported this to XXXX and XXXX they have immediately removed this account off my credit reports, I had XXXX XXXX commit fraud in the past, I want this account removed and not be put back on my report, Experian needs to do there job, I have sent a ftc report to experian these people are rude mad unprofessional, I also filed a complaint against XXXX for the data leaked I have other accounts that was open due to my information being used yes, my information matched because someone used illegally now removed this account before I file suit, now I have uploaded my information to this website now remove this account and block it, all accounts XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX  these companies have open these account fraudulently

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 2022-06-15 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  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, XXXX XXXX 
Account # 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 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 2022-06-15 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 XXXX XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, XXXX XXXX 
Account # 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 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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2 This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3 This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
Account Number : XXXX Please remove it from my credit report. 

5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal is attempting to collect money which I have spoken to someone already about my account I caught XXXX and was in the hospital for a period of time on top of that my XXXX kids caught XXXX had to care for them as well, I did ask them for the covid forgiveness program which they told me that I did qualify for but no actions was taken to take care of this matter. please delete/remove negative remark on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: ME

Complaint narrative:
There is not assistance with this company. They tell you that you are a preferred customer. I called to get help making payments, I am currently unable to make payments. There is no deferment, there is no forbearance, there is no help at all. I have been even trying to refinance or consolidate with another company, but I am having zero luck. I called even spoke with a supervisor. Basically I was told there is nothing they can do. I was advised that they do not report to credit bureau until 3rd missed payment so If I can make smaller payments to add up to one months payment, it would set it back. How on earth is that suppose to be be of any help. They offered no help. no guidance pretty much leaving you screwed. Even during covid- there was nothing. It keeps increasing, racking up higher and higher with interest. I can not even find any company to refi with. I am trying to get out of this company. They are not helpful, no guidance no forgiveness. I have tried multiple times to talk to someone and get some help or guidance. All I get is that I am sorry we have changed our guidelines and can not help you. I am currently trying to seek some assistance elsewhere, I may even contact Legal assistance for help- Public maine legal assistance. I do not know where else to turn. It is affecting my life tremendously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: P.S.C., Inc
State: WA

Complaint narrative:
For over 3 yrs and 3 months now. This company has been harassing me, as well as making a major delinquency red flag on my credit. XX/XX/2019. Started with the harassment phone calls, threatening. So I spent days, which than turned into weeks and months. Just trying to communicate with them civilly yet was tossed aside. Due to the fact that I went and got the proper medical documentation and proof of the account being fully paid off by my insurance. I mailed them in my documents of proof. They mailed it right back claiming it was the wrong address sent to. Durning those weeks and months. They were gradually adding on fees and lowering my score every single time tremendously. I than reached out to XXXX XXXX many times about how all of this is wrong. Every investigation has come back as the account is stil open and I owe. I reached out to my attorney generals office about this. They have told me that this company has been reported for their legally wrongful acts once or twice before. So it being over 3 yrs now Im over this fraud they are committing.

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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Capio Partners, LLC
State: TX

Complaint narrative:
The new collection agency called Capio Partners reported a duplicate debt on XX/XX/2022. The debt amount is {$2200.00}, they have obtained this debt from XXXX XXXX XXXX XXXX. I have disputed this debt already and it has not been corrected. So I now have on my credit report 2 collections with the Exact same amount that are duplicated from the same company. It has brought my credit report down drastically, this error has cost me so much already and need this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
caught XXXX  2 times on top of that my XXXX kids caught XXXX  spoke with the fortiva rep who said she would update my account stating i had XXXX  my account was closed after i made a partial payment, they are still harassing me about a payment which i just got back to work

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation