vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
XX/XX/year> Account was closed by Chime ( company refused to tell me this date, i found this myself on app ) XX/XX/year> I had trouble accessing my account and reached out to customer service XX/XX/year> I was informed my account was closed due to inactivity The account closure email from Chime read : " Your account was closed due to an extended period of inactivity. Your account balance at the time of scheduled closure was {$10.00} in accordance with C.10 of your deposit agreement. Per state & federal guidelines, these funds will be transferred to the state on the date of closure for safekeeping. You may apply to retrieve these funds by going to your states unclaimed property website to claim the escheated funds. '' In response, I went to my state 's unclaimed funds website and when I couldn't find my funds, I filed a claim. My state said that they had not received any funds from Chime bank, and instructed me to gather additional information from Chime bank- which Chime bank was unable to provide, despite their written email informing me of the policy and claiming it had already been done, support told me they can not provide me with the information, as the funds were never transferred to the state. I was told that instead a check was sent to my home address, which I have never received, still to this day, months later. 


I've called multiple times to check on the status of the check, where each time I was told either, " The check hasn't been sent yet, I will make sure we send it out for you now '', or that the check has already been sent. It seems Chime has no intention of returning my money to me. 


I have spent a lot of time on the phone and emailing customer service, and almost a year later Chime has still not returned the money I had in my account at the time they closed it. Subsequent calls to Chime result in hours-long endeavors, being transferred to multiple departments, holding for upwards of 40 minutes only to be told no one can help me, being hung up on, and also being assured the check has been sent. I have spoken to supervisors, the " back office '', and general customer support, with no restitution or explanation. 


Chime 's email support seems to be unmonitored, asking a simple request results in going in circles, all of which could be avoided if a real person was reading and responding to emails to support. 


Overall, I have still never received this account closure check, and trying to get this resolved through Chime customer support has proven to be an elusive task.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: MD

Complaint narrative:
I called Transunion on XXXX XXXX, requesting a credit report, upon receiving my report i noticed some inaccurate information, in order to look over my credit these companies is suppose to have miscible purpose according too 15 usc 1680, these inquires should not be on my credit .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: IN

Complaint narrative:
I found out that Indiana do not allow loans past a certain intrest rate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: NC

Complaint narrative:
CMC placed a collection on my credit reports ( XXXX, XXXX, and XXXX ) in XXXX, XXXX. The original creditor is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was no information provided in terms of XXXX. I have not had CC with the original credit since XXXX and it no longer appears on any of my credit reports per XXXX. Even if I did have such an account, the debt would be outside the 7-year reporting window per FCRA. 

In addition, I did not receive any written notice via USPS as required by FCRA and therefore, have not had the opportunity to validate any debt that CMC claims that I owe. The credit reports do not list date of first delinquency or provide any proof as to the amounts owed or that CMC has legal standing to collect on the account listed in the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account. 

XXXX XXXX Account Number : 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 2024-03-11 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-11 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-11 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: TX

Complaint narrative:
Account name : XXXXXXXX XXXX XXXX Account number XXXX Shows balance of {$1100.00}. 

Hi experian team, this account was scheduled to fall off from my report on XX/XX/year>. Kindly verify the attached snip which i have shared which shows fall off date as XX/XX/year>. Further to that i called experian customer service three weeks ago to double verify and they told me it schduled to delete on XX/XX/XXXX th However the account didnt fall off from my report and i see them appearing. when i called the customer service they said its schdueled to delete on XXXX. Hence the request is kindly take a look on the snip i provided which shows clearly as XXXX fall off date and kindly honor what i was told by customer service which is XX/XX/XXXX and delete the entry from my credit report. 

Basically the request is you cant show me something and do something.

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 2024-03-11 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: TX

Complaint narrative:
Account name : XXXXXXXX XXXX XXXX Account number XXXX Shows balance of {$1100.00}. 

Hi experian team, this account was scheduled to fall off from my report on XX/XX/2024. Kindly verify the attached snip which i have shared which shows fall off date as XX/XX/2024. Further to that i called experian customer service three weeks ago to double verify and they told me it schduled to delete on XX/XX/XXXX th However the account didnt fall off from my report and i see them appearing. when i called the customer service they said its schdueled to delete on XXXX. Hence the request is kindly take a look on the snip i provided which shows clearly as XXXX fall off date and kindly honor what i was told by customer service which is XX/XX/XXXX and delete the entry from my credit report. 

Basically the request is you cant show me something and do something.

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 2024-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Unfortunately, we still have not received a response to our letter dated XXXX related to the {$18000.00} Adjustment Misc-Suspense added on XXXX in our XX/XX/XXXX statement balance. As a customer of Mr. Cooper we have a right to know what is being credited and debited to our mortgage account. Adjustment Misc-Suspense is not an adequate accounting classification for a credit added to a customers account without providing supporting documentation. Does it relate to taxes paid, does it relate to legal fees, other expenses or future tax estimates? Whatever it relates to is what should be reflected as the description in our statement. We have been requesting supporting documentation for this $ XXXX adjustment since XX/XX/XXXX and are requesting our statement be revised to reflect the actual nature of this {$18000.00} charge. As previously mentioned, this credit to our XX/XX/XXXX statement directly resulted in XXXX XXXX losing the $ XXXX in CA mortgage assistance he needed to save his family home. If this credit was ( 1 ) properly classified by Mr. Cooper on the XX/XX/XXXX statement and ( 2 ) timely and properly communicated to XXXX XXXX or his lawyer XXXX XXXX after various requests, XXXX XXXX might have had a chance to appeal the CA mortgage assistance denial. Now in XXXX, Mr Cooper has tried to foreclose on our home with Auction dates as early as XX/XX/XXXX. XXXX was forced into XXXX Bankruptcy in XX/XX/XXXX in effort to save his home from foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Creditor : XXXX XXXX Account Number : 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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several inaccuracies on my credit files with both XXXX and Equifax. I will list the inaccurate/fraudulent accounts and the inaccuracies that show on each report. 

Inaccurate/Fraudulent Account XXXX XXXX XXXX XXXX XXXX - Shows nothing under " Status '' on EQUIFAX, XXXX Collection account. {$19000.00} written off. '' on XXXX, and the account doesn't show at all on XXXX. 
- Account Name shows as " XXXX XXXX XXXX XXXX on XXXX, " XXXX XXXX XXXX '' on EQUIFAX, and the account doesn't show at all on XXXX. 
- XXXX XXXX shows as {$900.00} on Equifax, as nothing on XXXX, and the account doesn't show at all on XXXX. 
- Account type shows as " Installment '' on EQUIFAX, as " Auto Loan '' on XXXX, and the account doesn't show at all on XXXX. 
- Payment History shows as " ND aka NO Data '' for XXXX and XX/XX/XXXX on XXXX, as " XXXX XXXX '' for XX/XX/XXXX and " ON TIME '' for for XX/XX/XXXX on EQUIFAX, and XXXX account doesn't show at all on XXXX. 
- Payment History shows as " ON TIME '' for XXXX and XX/XX/XXXX on EQUIFAX, as " Collection '' for XXXX and XX/XX/XXXX on XXXX, and the account doesn't show at all on XXXX. 

Inaccurate/Fraudulent Account XXXX = XXXX BANK - Payment History shows as " ON TIME '' for XX/XX/XXXX on EQUIFAX, and " Charge Off '' for XX/XX/XXXX on XXXX, and the account doesn't show at all on XXXX. 

Inaccurate/Fraudulent Account XXXX = XXXX XXXX XXXX - XXXX History shows as " On Time '' for XX/XX/XXXX on EQUIFAS, as " Data Unavaliable '' for XX/XX/XXXX on XXXX, and the account doesn't show at all on XXXX. 
- Highest Balance shows as " {$520.00} '' on EQUIFAX, as " {$520.00} '' on XXXX, and the account doesn't show at all on XXXX. 
- Balance shows as " {$500.00} '' for EQUIFAX, as " {$500.00} '', for XXXX, and the account doesn't show at all on XXXX. 
- Credit Usage shows as " 101 % '' on EQUIFAX, " 100 % '' on XXXX, and the account doesn't show at all on XXXX. 
- Account number shows as " XXXX '' on EQUIFAX, as " xxx '' on XXXX, and not at all on XXXX. 

UNDER 15 USC 1681e ( b ) any inaccuracy on a consumers report, the account should be removed immediately. Copies of each report from each consumer reporting agency have been attached so the inaccuracies can be reviewed. I also included a copy of my Passport and SS Card. Thanks for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
Removed from from my consumer reports sw credit sys # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had it removed from XXXX  it the other two has not removed it yet

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