vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CT

Complaint narrative:
In XX/XX/year>, I opened an account in the Chime app for the purposes of their advertisement : " refund overdraft bank fees ''. I submitted my XXXX XXXX checking account info into the Chime app and waited several months for my refunds. Chime advertised XXXX days as the waiting period for refunds. 

I believe it was about 6 months later that Chime responded in their app and via email that they were unable to retrieve my overdraft bank fees from XXXX XXXX. These fees should have been approximately {$1500.00}. I believe Chime stole my fees that were rightfully mine and deprived me from my refunds. Chime failed to provide me with timely consumer info and bank overdraft refunds from XXXX Bank. 

I reached out to them severally times via email and over the app. Their customer service was horrible and then I realized the whole app was running as a bot. 

It appeared that a bot stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: NC

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX  Balance {$7100.00} XXXX XXXX XXXX XXXX  Balance {$61.00} XXXX XXXX XXXX  Balance {$300.00} XXXX XXXX, XXXX XXXX Balance {$46.00} XXXX XXXX XXXX XXXX Balance {$520.00} XXXX XXXX XXXX XXXX Balance {$19.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Balance {$4600.00} XXXX XXXXXXXX XXXX XXXX  Balance {$520.00} XXXX XXXX XXXX XXXX Balance {$700.00} XXXX XXXX BANK XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX RFC XXXX # XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : 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 2024-09-26 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: SC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$470.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX & XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXXXXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$630.00XXXX 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 explanation
Consumer complaint received 2024-09-26 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: SC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$340.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX : {$470.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX  XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX, XXXX, TRANSUNION Reported Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXXXXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the basis of unverifiable second hand data otherwise known as XXXX. The above bureaus have collected data from the above sources. They compile this second-hand information into credit reports without directly verifying themselves independently each piece of information which is essential considering credit is a very big factor to accessing essential needs such as money and housing. While they believe they are collecting data from reliable sources it is not first hand knowledge which ignores the voice of the one being reported on. I am a housing choice voucher holder. I have put my 60 days notice into the current unit I am in to move to a safer and bigger unit. I have an excellent rental history and in addition to being a voucher holder I also make sufficient income working with a government contractor. I have been applying to several units, spending countless applications fees only to SOLELY be denied due to headsey on my credit report. I have only 30 days left in the current unit I am. I tried to rescind my notice to vacate only to find out that they have already reserved the units that I am in. So I have to be out by XXXX. The credit is the only stumbling block and if I do not secure a place to live in time I will be homeless and out of a job because I work at home. The places I have applied to and been denied housing is solely using my credit against me even though rental history is not reported to the XXXX major bureaus and not considering other qualifying factors like good rental history, sufficient income and holding a voucher which is a guaranteed portion of the rent.One of the complexes is XXXX stations managed by 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 2024-09-26 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: VA

Complaint narrative:
XXXX, XXXX, XXXX Reported Accounts : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX on the basis of unverifiable second hand data otherwise known as XXXX. The above bureaus have collected data from the above sources. They compile this second-hand information into credit reports without directly verifying themselves independently each piece of information which is essential considering credit is a very big factor to accessing essential needs such as money and housing. While they believe they are collecting data from reliable sources it is not first hand knowledge which ignores the voice of the one being reported on. I am a housing choice voucher holder. I have put my 60 days notice into the current unit I am in to move to a safer and bigger unit. I have an excellent rental history and in addition to being a voucher holder I also make sufficient income working with a government contractor. I have been applying to several units, spending countless applications fees only to SOLELY be denied due to headsey on my credit report. I have only 30 days left in the current unit I am. I tried to rescind my notice to vacate only to find out that they have already reserved the units that I am in. So I have to be out by XXXX. The credit is the only stumbling block and if I do not secure a place to live in time I will be homeless and out of a job because I work at home. The places I have applied to and been denied housing is solely using my credit against me even though rental history is not reported to the XXXX major bureaus and not considering other qualifying factors like good rental history, sufficient income and holding a voucher which is a guaranteed portion of the rent.One of the complexes is XXXX stations managed by 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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report in accordance with my rights under the fair credit reporting act ( FCRA ), specifically sections 611 ( 15 U.S.C 1681i ) 609 ( 15 U.S.C 1681g ), and 604 ( 15 U.S.C 1681b ) after reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance {$230.00} XXXX XXXX XXXX XXXX Balance {$16000.00} XXXXXXXX XXXX XXXX  Balance {$850.00} XXXX XXXX XXXX XXXX Balance {$220.00} XXXX XXXX XXXX  Balance {$1000.00} XXXX XXXX XXXX  Balance {$550.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$330.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$460.00} XXXX XXXX XXXX XXXXXXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXXXXXX XXXX XXXX XXXX Balance {$930.00} XXXX XXXX XXXX XXXX Balance {$540.00} XXXXXXXX XXXX XXXX XXXX Balance {$1100.00} XXXXXXXX XXXX XXXX XXXX Balance {$660.00} XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX Balance {$390.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$56.00}

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 2024-09-26 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: TX

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance {$230.00} XXXX XXXX XXXX XXXX Balance {$16000.00} XXXXXXXX XXXX XXXXXXXX XXXX {$850.00} XXXX XXXX XXXX XXXX Balance {$220.00} XXXX XXXX XXXX  Balance {$1000.00} XXXX XXXX XXXX Balance {$550.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$330.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$460.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$440.00} XXXXXXXX XXXX XXXX XXXX  Balance {$1000.00} XXXXXXXX XXXX XXXX XXXX  Balance {$930.00} XXXXXXXX XXXX XXXX XXXX Balance {$540.00} XXXXXXXX XXXX XXXX XXXX Balance {$1100.00} XXXXXXXX XXXX XXXX XXXX Balance {$660.00} XXXX XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX Balance {$390.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AN XXXX XXXX # XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX FCU Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Balance {$56.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX Balance {$600.00}

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 2024-09-26 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: NC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance {$600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am urgently notifying you that my credit report contains numerous fraudulent accounts that were added without my knowledge or consent due to identity theft. I request the immediate removal of these unauthorized accounts to correct this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed an identity theft report with the Federal Trade Commission ( FTC ) and expect these fraudulent accounts to be promptly deleted to restore the accuracy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX CAPITAL ONE AUTO LEGAL DEPARTMENT RE : CAPITAL ONE AUTO FINANCE. Opened XXXXXXXX XXXX XXXX {$20000.00} Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open a CAR LOAN at your company. I did not open or authorize this account, and I therefore request that this account be closed immediately. I also request that CAPITAL ONE AUTO FINANCE absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report AND POLICE REPORT supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
Sincerely, XXXX XXXX Enclosures : POLICE REPORT Identity Theft Report Copy of Credit Report CFPBs Notice to Furnishers of Information [ PDF ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: NC

Complaint narrative:
There has been some fraudulent activity on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Recently, I reviewed my credit report and discovered several inaccuracies. I am writing to formally dispute several inaccurate accounts listed on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ) provisions. Specifically, I am referring to the accounts : XXXX. ) XXXX XXXX XXXX XXXX, XXXX. ) XXXX  XXXX, XXXX. ) XXXX XXXX, XXXX. ) XXXX XXXX XXXX, XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX I have previously disputed through XXXX letters without receiving any response. 
Under 15 USC 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Additionally, 15 USC 1681i ( 5 ) mandates that if any information is found to be inaccurate or incomplete, it must be corrected or deleted. 

As per these statutes, I assert that the information reported for XXXX. ) XXXX XXXX XXXX XXXX, XXXX. ) XXXX  XXXX, XXXX. ) XXXX XXXX, XXXX. ) XXXX XXXX XXXX, XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX is not 100 % accurate across all three credit reporting agencies. Therefore, it is my legal right to request that this account be updated to reflect accurate information or removed entirely from my credit report. 

I expect a thorough investigation into this matter and request that the inaccuracies be addressed within 30-45 days. Should my request not be fulfilled within this timeframe, I will be compelled to initiate litigation to seek {$1000.00} in damages for each inaccuracy on my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2024-09-26 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: TX

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

Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief