vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/XXXX at XXXX, I was having breakfast with my nephews at XXXX in XXXX Wa XXXX when I received 2 text alerts, 1 for {$400.00} ATM withdrawal, 2nd for {$320.00} ATM withdrawal, I immediately ran out of restaurant to call Chime customer service to inform them of the fraudulent withdrawals, they informed me I had to wait till the transactions settled before I can file a dispute, the transactions settled Saturday XX/XX/XXXX, so I filed the dispute and sent all my documents showing I was at XXXX and XXXX min away in XXXX XXXX Wa. My receipt at XXXX restaurant shows XXXX when I ordered our breakfast, the 2 ATM withdrawals were done at XXXX, and XXXX 1 minute apart at XXXX XXXX store in XXXX XXXX Wa XXXX my argument to Chime dispute department was, how could I have been in 2 places at the same time? Also I called the XXXX XXXX store and left a message for owner to call me so I could report what happened, but I got no call back. Chime denied my claim stating there was no error, so I was furious and called chime dispute department again to reopen my claim that I was going to forward additional documents regarding my dispute claim, I forwarded photos that the manager at XXXX retrieved from the restaurants surveillance camera showing my nephews and I sitting at our table in the restaurant at the time the ATM withdrawals occurred and a screenshot of my police report I filed with the XXXX Police Department with the tracking number from the police report, I asked chime for a provisional credit due to the fact that the person who fraudulently took my money from my account wiped me out! I dont have money for gas, or food due to this criminal activity, Ive read other complaints against chimes unethical practices and so Im reaching out to you organization for help! Please help me.. Im desperate and in need of help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: MoneyLion Inc.
State: IL

Complaint narrative:
I never created this account with Moneylion. This is a scammer or a scam business. I have sent them several letters notifying them that i never created this account they refused to do their due diligence and actually investigate the matter sending me letters saying that they have closed the case and determined that I actually opened this account. The burden on proof is on them and I have not received anything that could be considered " proof ''

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

Complaint narrative:
There is inaccurate, unverified information on my credit report. I've disputed this inaccurate information multiple times and it keeps being updated as verified without me being provided the required verifiable proof

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 2022-06-06 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: TN

Complaint narrative:
In accordance with the fair credit reporting act and Title 15 Annotated commerce and trade .The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX Us dept of edXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXDept of ed # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. its also states a consumer reporting agency can not furnish a account with out my written instruction.

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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2022-06-06 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: TN

Complaint narrative:
In accordance with the fair credit reporting act and Title 15 Annotated commerce and trade .The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Us dept of edXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXDept of ed # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. its also states a consumer reporting agency can not furnish a account with out my written instruction.

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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2022-06-06 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:
I called Experian after I purchased a credit report from Experian.com on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Name : XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX Account : XXXX XXXX BANK XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit XXXX  : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these items are inadvertently resulting in me being extorted.

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 2022-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am reaching out to discuss a reinsertion issue with Transunion. I disputed a XXXX XXXX account on my consumer report due to it being inaccurate information and fraudulent due to XXXX XXXX sharing this information without my consent. The account was deleted. I received a report from Transunion recently stating that the account was added back to my consumer report. This account was added back without notifying me which is a violation pursuant to 15 USC 1681i. Also, how are you all going to delete an account and then re-insert it? Furthermore, when assessing my other two consumer reports, Transunion is the only one who has inaccurate information pertaining this account. I have attached the three accounts across the three reports so that you can analyze it for yourself. Per 15 USC 1681i, Transunion is required to report 100 % maxium possible accuracy. This is not accurate. Please delete or update this 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 2022-06-06 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: CA

Complaint narrative:
In accordance with the fair credit reporting act everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that possible if the open date is ina accurate, the date last active is inaccurate and the date last reported is inaccurate. The grounds for removal they also violated my right under. 

15 U. S. C. 1681 section 602A. States I have the right to privacy. 

15 U. S. C. 1681 section 604 a section 2 ; it states a consumer reporting agency can not furnish my account without written instructions. 


Also the credit bureau took more than 30 days to complete my investigation here is my certified mail tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX and I am submitting this CFPB complaint. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law to resolve this matter as soon as possible. 
XXXX 'S XXXX XXXX Balance : {$110.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$700.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2022-06-06 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: PA

Complaint narrative:
This is XXXX XXXX and I am submitting this CFPB complaint. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law to resolve this matter as soon as possible. 
XXXX 'S XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$1500.00}

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

Complaint narrative:
I am reaching out to Discover about an account that I have been dealing with that has yet to be resolved. This account is listed as a chargeoff account that Discover has wrongfully accused me of. According to the black law dictionary, a chargeoff is an accounting term where one item is eliminated from the assets lists when it is lost or deemed worthless. In laymen 's terms, a chargeoff means the writing off of a debt. I am also aware that in order for something to be charged off, a 1099c form has to be completed. If the transaction is over {$600.00}, then that means that you are furnishing this debt as an income, not as a charge-off. If you have in fact listed this account as a chargeoff, I am demanding that you show proof where you have removed this asset from your book, as well as the 1099c proving that this debt has in fact been charged off. Providing the requested information that I mentioned will protect me as well as you from tax fraud. If you can not provide me proof of where you have removed this asset from your book as well as the 099c form proving that this debt has been charged off, I am demanding that you delete this account or I will press charges against Discover for racketeering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: AZ

Complaint narrative:
I bought a gift card and put {$25.00} dollars on this card and I couldn't use it so they sent me a regular card with my name on it and I didn't want to make an account I just wanted to use it in case of an emergency well I tried using my card and they can't find my account and I tried calling them and all I get is a recording I tried emailing them to no Advil so I want to know where is my money at. And if possible I want to get my money back or tell me what happened to the money. I'm just to use my card so I can the money I put on this card

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 2022-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: TX

Complaint narrative:
There are a lot of the transactions but mostly transactions or hold that I didn't get put back into the account I have a lot of XXXX XXXX and XXXX transactions that I did not use and I have other unauthorized charges that happen on my card and wisely pay when I helped me because they said the transactions are older than a year but I've been through a lot in a year with losing family family catching XXXX lost my own family my job my car my place I've been in the XXXX that I finally upheld and I know it has been a little bit of time but I don't think that is right especially with me not even being able to file disputes with me not even being in the right State of mind at the time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are fraudulent inquiries and inaccurate account infromation on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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 the following companies with the following accounts have violated my rights. 
15 USC 1681 Section 602A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX  ( Original CreditorXXXX XXXX Mobility ) Acct # XXXX XXXX Acct # XXXX US DEPT ED Acct XXXX XXXX XXXX XXXX Acct # XXXX

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

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies with the following accounts have violated my rights. 
15 USC 1681 Section 602A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX  ( Original CreditorXXXX XXXXXXXX XXXX ) Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # 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 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am here to challenge information that has been on my account that is inaccurate. At this moment Experian has three different names attached to my consumer account that do not belong to me. Due to potential, identity theft and Experian 's history with data breaches I simply do not benefit from nor do I go by any other variation of my legal name and I am requesting an immediate deletion of this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are multiple inquiries thats I dont recognize on my credit report. These accounts arent attached to an open accounts, nor am I benefiting from any of these inquiries. I would like to state that Experian is in violation of my consumer rights and the FCRA. Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) - No Permissible purpose. I, XXXX XXXX, NEVER gave Experian WRITTEN CONSENT TO FURNISH ANYTHING ON MY CONSUMER REPORT. This is public information, I can only assume Experian broke the law knowingly and willingly which is another violation of my consumer rights- Pursuant 15 U.S.C. 1611. According to the FCRA consumer reporting agencies must delete inaccurate, incomplete, or unverifiable information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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