vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-29 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: WI

Complaint narrative:
Everything I had saved in my chime account was taken from me ranging from dates leading all the way up to XXXX of XXXX. This account was always used as a savings account and I never ordered a card for it. I disputed the most recent transactions adding up to {$2500.00} last month and it was approved with no problem. The other large amount of money has been a lot trickier as I was not aware that I could dispute that many transactions in one until a representative let me know. The total amount was a little over XXXX XXXX dollars. I first disputed these transactions around XX/XX/XXXX. The dispute was denied in under 2 hours. I just received the documents that was used to come to a conclusion today even though I requested them 2-3 weeks ago which puts them over the deadline they gave me. I opened another one the following day and that one was again denied within the same day. I have provided all the necessary information to ensure that the company understands that none of these transactions were made by me. I provided my XXXX XXXX history showing that I never had a chime debit card connected to it nor have I EVER received transactions from a chime debit card for any of the given amounts. I showed them emails I received of my passwords and pins being changed despite never having a debit card. I provided proof of my chime account being logged into from a different state. One that I have never been to or even know anybody that resides in. I have spoken to XXXX support and there is nothing that they can do for me since I do not know the person that made these visa transactions. The information chime provided to me made this even more frustrating, as It was nothing but pictures of the transactions I disputed with no further detail or explanations on why i was denied. I have called every day since reopening the case and I receive the same answer every single time. It is the same automated script I have gotten since all of this has started. The very few times I have been able to connect to a supervisor and share with them the information that I have, they understand my frustration and have even told me that if it were up to them, I would have already gotten my money back by now. I dont know if that makes me feel better or worse because it tells me that the investigation team is either neglectful or incompetent and regardless of what it is, everybody needs to know that chime is unreliable and nobody should bank with them whatsoever. I have been nothing but patient and respectful with them only to receive nothing in return when I have shown more than enough to prove my case. Hopefully this complaint speeds up the process at least a little bit. I will he providing the same information I provided chime in this complaint as well. Thank you so much for your time. The chime dispute Id number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Only XX/XX/XXXX My debit card and ID were stollen from my wallet. On XX/XX/XXXX These items were taken to a Chase bank where money was withdrawn from my savings account. I called the fraud and claims departments and put a freeze on my account. Only XX/XX/XXXX there was another withdrawal from my checking account. I called Chase because my account should have been frozen. They froze my savings account but not my checking. Both accounts can be accessed with my stollen debit card. I have two factor authentication set up on my account, I received the OTC from the bank when the withdrawal was made. Evidently a teller is giving someone cash from my account with only my debit card and ID and not visually verifying their identity or requiring a pin or actual 2 factor authentication. A teller has also given away my checking and savings account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: IL

Complaint narrative:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5100.00} XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Owed : {$250.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$40.00} ; XXXX XXXX XXXX Balance Owed : {$9500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: FL

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 XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$50.00} ; XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$250.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX Owed : {$670.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$580.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Today I received an alert from XXXX, my credit score decreased by XXXX points because I have a fake report owing {$1000.00} to a collection agency which is called AMSHER collection services, XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX, phone number ( XXXX ) XXXX. 

On the XXXX website it marks the original creditor as XXXX. It is considered a hard inquiry and there is not and option to file a dispute for hard inquiries on XXXX. There is only a phone number provided under the dispute category : XXXX. When I call that number they asked me for my Social Security number and they transferred me to another number which also ask for my Social Security and some personal information. I gave them the information requested and they told me the money that I owe comes from XXXX but they don't have any other information, they transferred me to a third number : XXXX but there was only a voicemail. 
I searched the company online and on XXXX XXXX I was able to find another phone number and there were a lot of reviews of people being scammed. I still called their number posted on XXXX XXXX : XXXX, on their website they claim to have a partnership with XXXX and when I called to inquiry about my debt they were asking me for the social so I hang up. 

I also searched the number provided by XXXX for the dispute and I found multiple complaints of people being scammed. 

I then contacted XXXX via chat ( on the app ), there was no need to provide my SSN and they were able to tell me my account is fine and I have no debt with them, I sent the representative some screenshots from the collections agency and I even showed them how in my experience shows the original creditor is XXXX, I also told them this collection agency claims to have a partnership with XXXX. The representative then told me he will escalate this to higher ends on XXXX as it was very concerning because they don't have a partnership with this collection agency. 
My information was compromised, and my credit score was affected by a fake debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-29 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: IL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2023-07-29 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: IL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2023-07-29 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: FL

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX Balance Owed : {$95.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX / XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 .

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 2023-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2023 at XXXX pacific time. I when to deposit the cash amount of {$2700.00} at the Bank of America ATM ID XXXX located at the parking lot of the XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX Ca XXXX. 
We deposit the money at the money slot, machine took the money and just completed the transaction without giving any receipt. Free our card. We automatically check our banking application and notice the money wasn't credited. We call the number of the ATM and they told us they couldn't help. We tried calling the bank but customer service is not responding.

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 monetary relief
Consumer complaint received 2023-07-29 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: FL

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FLXXXX ; XXXX / XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX XXXX BalanceOwed : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$420.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX  : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$2200.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX BL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2023-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Personal Information : XXXX reporting incorrect Date of Birth ( can provide documentation verifying this ) Current address is incorrect ( can provide documentation verifying this ) Remove all employers except XXXX XXXX XXXX  Inquiries : Transunion shows XXXX while XXXX and XXXX XXXX 4-5 Please resolve the inquiries Account History XXXX XXXX XXXX XXXX Not reporting correctly with all Transunion, XXXX, and XXXX Information XXXX XXXX XXXX XXXX XXXX not XXXX correctly Information updated XXXX XXXX XXXX Information not reported correctly Information updated XXXX  XXXX Information not reported correctly Information updated XXXX XXXX Information not reported correctly Information updated XXXX XXXX XXXX not reported correctly Information Updated XXXX XXXXXXXX Date opened, High Credit, Credit Limit , and Payment History not reporting correctly. 
Please update XXXX XXXX Transunion and XXXX XXXX not reporting correctly Please remove XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXXXXXX XXXX not reported correctly Please update XXXX XXXX XXXX XXXX not reported correctly, account charged off as a loss and sold Please remove for inaccuracy XXXX XXXX XXXX XXXXXXXX Information reported incorrectly, account paid but shown as derogatory Please remove for inaccuracy XXXX XXXX XXXXXXXX XXXX reported incorrectly Please close for inaccuracy XXXX XXXX XXXX reported incorrectly Please update XXXX XXXX XXXX reported incorrectly Please update

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