vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CO

Complaint narrative:
I have been participating in Denver 's Basic Income Project since XXXX of XXXX. This program is designed to provide financial assistance to homeless individuals and families. Denver Basic Income Project directly deposits a singular monthly payment into my Chime Checking account on or before the XXXX of each month. Every singe month prior to this month, XX/XX/XXXX, my payment from Denver Basic Income Project deposit appears under the name " XXXX ''. My DBIP payment arrives a few hours before I receive both en email and a text alerting me that my payment has been released by DBiP.

I've been a customer of Chime for years and 100 % acknowledge Chime customer care is a crapshoot- some times you receive actual assistance, but 95 % of the time you're just going to receive repeated responses with no assistance provided. When inquiring about direct deposits they shamelessly repeat, " You should contact your employer. Chime makes funds immediately available to you once they've been received from a source. ", and " I've looked at your account and don't see any firect deposits posted. No worries! Once they arrive the funds will be immediately available. '' I ask them to read my messages snd review my screenshots all to no avail. The chat with XXXX was from Today and he couldn't tell me what happened. 

I've been without food fo over 48 hours. I am starving. I've been anxiously awaiting this payment. I immediately detected trouble when I received the DBIP  payment notification prior to receiving any of the funds. Absolutely none of the Chime representatives will do anything beyond reading a script. This is the final straw for.me. Chime has been great at times, but I don't want to go hungry/starve while witnessing their indifference. I would not recommend Chime to anyone and will actively work to prevent friends and family from utilizing their services, or lack thereof. 

If you'd like to see the evidence for the rest of the years payments, I'll gladly send them in. Please let me mw know if you require any information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX  Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA 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 2023-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: DC

Complaint narrative:
This account was surrendered under the property of another agency during the Covid-19 crisis in Maryland in which I have no legal right to this debt that has taken place on my account. I do not have the dates, but it was added to my credit in XXXX of XXXX and I know that it was a XXXX debt that has been not taken off my account, but sent to a collection agency as a faulty account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-15 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 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CFPB collection dispute complaint, On XXXX 2023, XXXX XXXX XXXX collection added a derogatory mark on my credit report per XXXX XXXX  and XXXX. Upon further research, this account was transferred/ sold from one account to XXXX XXXX XXXX collection. 


I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX  collection did not verify my debt validation, and which shows XXXX XXXX XXXX collection has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house.

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 2023-06-15 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Paid for a cruise at XXXX XXXX with my Wells Fargo account two days prior to set sailing the cruise canceled my reservation mind you I had boarding passes and the balance was paid in full, I called XXXX and they told me there was nothing I can due contact my financial institution and they said they wasnt giving me my money back which was over XXXX $ I contacted Wells Fargo the put in a claim against them and gave me a credit to my account just to reverse the credit and say I didnt win that case because I authorized that payment with XXXX and not my account s negative

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 2023-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: LEXISNEXIS
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I have car loans and mortgages in my name by my husband XXXX XXXX XXXX date of birth XX/XX/1975

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account doesn't belong to me when they finally closed it and charged it off in XX/XX/2023 It reported late payment on the report month after month I have been disputing this account this is all wrong. per FCR, this must be rectified 15 U.S. Code 6801 - Protection of nonpublic personal information said : ( 1 ) to ensure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I kept disputing this month after month they never showed me the proof of their investigation. 24hrs after the complaint they come back with the result of verified. show me the method of investigation

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 2023-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This is my 3rd request that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021XXXX XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXXXXXX 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 2023-06-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This is my 3rd request that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00}, XXXX XXXX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Tried to get a consolidation or home equity line of credit with TD Bank 's Loan Dept. on XX/XX/XXXX, XXXX Credit scores were XXXX in XX/XX/2023. Submitted every paperwork they asked for in a timely quick manner. Have worked for 45 years and owned credit cards paid always on time. Need loan to pay off credit cards and do home improvement. Was told not to pay off credit cards pending loan approval. I asked to have my house which has no mortgage since it is paid off used as collateral. No one from TD Bank mentioned you can't use a home as collateral until 6 months after owning it to use half its equity. Waited and waited till 6 weeks until a loan processor for TD Bank told me he needed a Closing Disclosure statement from me and my closing attorney when in fact if you do not have a mortgage you do not need this disclosure statement. At which time at 6 weeks, my loan was denied and my credit scores have plummeted as I am having a hard time paying them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
When I 1st got my card I was told that my credit would be evaluated for an increase. It does not guarantee that my credit would be increased but it would be reviewed for consideration. I have received letters date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with a denial. I previously found a complaint and in the complaint response that I received from capital one they mentioned the SCRA that is for military that had nothing to do with the complaint that I made about what they were doing. 
Capital one is illegally denying me a credit line increase because they are not reviewing my credit report. On the most recent one they say that I have a consumer alert which is preventing them from reviewing my credit report. However if somebody would call me to identify me the same way that they had to do when I applied for this credit card as well as when I applied for the credit card that i was approved for in XXXX. They had to verify my identity because of the fact that I've gone through identity theft. I called tonight and I spoke to XXXX who refused to help me. And then I spoke to XXXX who basically interrupted me and stated that capital one does not make any contact with anyone when they're viewing credit which is false. 
I am now just making a complaint because somebody needs to know what they're illegally doing. You can not tell me that I have a consumer alert is preventing you from accessing my credit but you're not reaching out to me to resolve it. Because if you can do it when I initially get credit then you can do it now. That's again in direct violation of Reg Z, you must tell the truth and they're lying. This is unfairness and it feels like racism.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: WA

Complaint narrative:
my discover card on XXXX was fraudulently charged {$2400.00} XXXX XXXX 2023 it was charged an additional {$4000.00} discover notified me and gave me a new card and removed the bad charges then added this to my new account i called them they removed the charges then put them back on again i called again they issued me a new card and three days later added the fraudulent {$6400.00} dicscover told me i was responcible they charged me interest on the outstanding money i filed a complaint with consumers they responded that discover had made a mistake and credited me with {$3200.00} that does not add up to the total fraud of {$6400.00} this has ruined my credit rating and caused health problems i am a XXXX XXXX XXXX XXXX vet and would like discover to treat me with a minimum amount of respect owed to a customer XXXX please finish this job

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX and Experian Credit Bureau are violating my rights on account # XXXX. 

This is my second attempt for XXXX and Experian to correct my credit report regarding a late payment. As part of this complaint, I have attached a sworn affidavit, and I expect XXXX and the Credit bureaus to do the same as part of their investigation. 
In XX/XX/XXXX, I became aware of a need to make a payment on the above account. After attempting to make payments, the payments were not made. In XX/XX/XXXX, I made a credit to the above account of {$420.00}. After making this payment I called XXXX XXXX XXXX, and they told me that the payment of {$420.00} would not be accepted for payment towards my account. They also said that if I could make a payment of at least {$200.00}, they would make sure that I would not get a late payment. They told me to make the payment before a certain date, of which I did on XX/XX/XXXX. After this, several late fees, interest charges, and other fees were added to my account and now I have a late payment on my credit report with the credit bureaus. 
XXXX claims that all conversations are recorded when calling, so if a serious investigation was done by XXXX and the credit bureaus, they would know what I was told to do to avoid a late payment and I did it. But XXXX and the credit bureaus are still claiming that I have a late payment. 
In accordance with FCRA, 15 USC 1681s-2 ( b ), XXXX and the credit bureaus should not be " reporting information with actual knowledge of errors. '' Also, " any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate '' the reporting agency shall not furnish that information. 
After I was told by XXXX XXXX XXXX, as a consumer, that if I did such and such I would not be charged with a late payment, only for XXXX to do exactly that is misleading me as a consumer and their own investigations into my claim is misleading because they never mention the phone call in which they said I would not have a late payment. This alone has me believing that XXXX and the credit bureaus are not respecting me as a Consumer and violating my consumer rights with impunity. 
I would expect the Experian credit bureau to remove this late payment or be fined {$1000.00} a day for reporting such. 
The Experian credit bureau must do a real investigation into Consumer 's case and remove the late payment.

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 2023-06-15 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am requesting to you to correct the inaccurate information on my credit file that are previously reported. I appreciate you in taking time to investigate this issue and for that I want some inaccurate information to be corrected as soon as possible. Based on FCRA, it was there responsibility to make actions regarding this matter. This inaccurate account should be corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I wrote Chase Bank to dispute a charge for {$250.00} to XXXX XXXX XXXX on my credit card account on XXXX XX/XX/XXXX, as the charge was done without my permission. The charge is in error as NO TERMS OR CONDITIONS WERE PROVIDED from the merchant regarding their processes & THE MERCHANT CANCELLED THE SERVICES, NO SERVICES WERE RENDERED. 

THE MERCHANT had the card because it was required to book the appointment. THE MERCHANT arrived on the day of the appointment and took our dogs to their grooming van. Within minutes, THE MERCHANT informed us THEY COULD NOT PERFORM the services, unless we agreed to shave the dogs. We tried to discuss alternatives, to which THE MERCHANT REFUSED. THE MERCHANT informed us they would be charging our card for the services, despite the fact THE MERCHANT cancelled the services & NO SERVICES WERE RENDERED. 

The requirement to shave our dogs came as a complete shock to us. The first we were told of this was at the time of the appointment. At no point were we informed prior to the appointment or at the time of booking that there was any requirement or possibility of shaving our dogs. The groomer charged our card, without our consent, even though no services were rendered. We were scammed & Chase Bank is FULLY supporting the groomer 's scam. 

Chase Bank denied the dispute and the dispute was then appealed on or about XX/XX/XXXX. The Bank still came back and stated they maintain their decision in the dispute. When we asked for their evidence as to why they believe the charge was valid, they refused to provide this information because they stated they did not have any evidence. How do you reach a fair or sensible decision on a dispute without having any evidence? The Bank maintains that we owe the amount of {$250.00}, which we absolutely refuse to pay as this charge is in NO WAY valid.

Company response to consumer: Closed with explanation