vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MS

Complaint narrative:
XX/XX/XXXX I added {$500.00} at XXXX XXXX to my chime credit card. Not long after I tried to use it again at the corner store for {$2.00} and change and it declined. I tried to tap, same thing. I tried to pen my app and found my account closed. I called and they said they chose to close it and can not give me any information about my account closure. I need my {$1200.00} please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-17 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: FL

Complaint narrative:
I am writing to inform you that the referenced account was fraudulently opened in my name without my knowledge or authorization. This account appears on my credit report and is negatively affecting my credit. I believe this is a case of identity theft. 

Account Details : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/year> I did not open this account, nor did I authorize anyone else to do so on my behalf. Therefore, I request that you immediately close this account and cease all collection activities related to it. Additionally, I request that you remove any negative information related to this account from my credit report. 

This company - that I have zero knowledge or affiliation with was fraudulently operating with my information. I did not authorize any of this. I do not own a company or operate a company. I have never in my life walked into a XXXXXXXX XXXX nor called nor applied anywhere for a card with XXXX. This is ridiculous. I do not even have personal accounts with XXXX. My credit and EVERY single one of MY accounts are in great standing and have always been. I have beautiful financial history and I have always protected my credit score. I do not know how this even happens and how I am responsible for paying a card I have never had or spent any money on. I do not have a physical card nor could I even tell you the card number. I do not know any of these " employees '' that XXXX is saying I sent payments to. None of the payments made on this credit card where with accounts I own. This account is not my debt and this is incredibly unfair. I have never contacted XXXX to open an account ever in my life. This needs to be thoroughly investigated.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Their system wasn't made available during the last day of the billing cycle XXXX, and I was unable to login to make a payment. I paid the bill the very next available day, but they still reported me over 30 days past due, even though I tried to pay the bill on the last day of the billing cycle. I called and spoke to someone about this issue. I also had automated payment issues with the company in XXXX of this year in a similar situation the last day of the billing cycle. My bill is current. I have worked really hard on my credit over the last few years, and these reported account statuses popped up due to their ( Shellpoint Mortgage Servicing 's ) negligence in their process. If I were given the opportunity to make a payment the last day of the year XXXX, I wouldn't have a 30+days late reporting on my credit report. If their system wasn't only capable of using one bank account on the voice service, I could've selected my other bank account to make a payment ( being that the online portal was down and it was outside of normal business hours ). Please just update my reporting to reflect no late payments, and I can stop worrying about this on my report and move on.

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 2024-10-17 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: FL

Complaint narrative:
I'm writing to formally complain regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this issue, these unauthorized accounts continue to negatively impact my credit history. 

Details of the Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Two fraudulent charges were applied to my account. I reported them. The account number was changed. Unfortunately, the company failed to credit and/or correct the charges, repeatedly. I am now on the fourth card number after a month of calling. They are unable or unwilling to make the correction. 

Currently, two fraudulent charges for {$100.00} from XX/XX/year> and two credits, ( {$100.00} ) and ( {$99.00} ) are showing on my account which leaves a {$2.00} balance. 

Previously, they illegally reported a {$100.00} balance to the credit reporting agency. 

They can not explain why they credited different amounts than the original fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
On or around XX/XX/year> XXXX was removed from my account without any explanation. I filed a fraud complaint and received no response after several months I had to contact Navy Federal credit union and was told the complaint had been denied. They could not tell me why I was not contacted. I filed an appeal and again had no response finally I contacted them and was told my appeal was denied. I demanded all information about the matter and received the attached document.

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 2024-10-17 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: IN

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2024-10-17 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: AL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am writing to express my deep dissatisfaction with the service I have received from US Bank. Upon deciding to close our account with XXXX XXXX XXXX XXXX XXXX XXXX US Bank as an Escrow ), I was not provided with any clear guidance regarding the subsequent steps with US Bank. I was simply told, " someone from US Bank will reach out 30 days after the XXXX account closure. '' Since US Bank 's last communication on XX/XX/XXXX, when I was assured the account would remain open until further notice, I have received no updates or instructions. 

To my alarm, I discovered today that US Bank has ceased sending automatic ACH payments to my business account without any prior notification to me that this would happen. Upon contacting a representative, I was informed that reinstating the automatic ACH payments is no longer possible. There was no way to execute an ACH transfer on the online dashboard, nor could any representative execute an ACH transfer from US bank to my account ( the same account they've been transferring to for over a year ). For a XXXX XXXX XXXX XXXX  this disruption is severely detrimental to our cash flow. What is particularly concerning is that, at no point, was I informed that ACH payments would be halted once the relationship with XXXX ended. The lack of transparency and the resulting situation is unacceptable. 

The suggested solution of using paper forms and mailing processes to resolve this is both inefficient and impractical. I expect immediate action to be taken to rectify this situation. I require access to my funds, which are effectively being held without my consent, and I would like to discuss the necessary steps to permanently close this account. 

They were sued for this during COVID and fined {$36.00} XXXX, but they continue to utilize the same practices. They are holding my money hostage and hugely disrupting the cash flow of my small outpatient psychiatric practice. I have now spoken with several representatives from US bank, was assured that forms to request a cashier 's check would be e-mailed, but all I have received in e-mail is another e-mail for a new representative saying he'd contact me soon to close my account. I have not been able to move forward with US bank to access the tens of thousands of dollars they are currently holding hostage.

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 2024-10-17 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: AR

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards. 

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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 2024-10-17 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: IN

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2024-10-17 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: AZ

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Bankruptcy XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address XXXX es XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX Employers : XXXX XXXX Former XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As XXXX XXXX XXXX Employers 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 2024-10-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX  months ago, I applied for a credit card at XXXX XXXX XXXXXXXX. I was told there was an XXXX no-interest promotion. I was approved and made a purchase for {$7600.00}. I made monthly payments of {$250.00}, never missed a payment, and planned to pay off the full amount by the end of the year. 

Since I didnt receive the card right away at the store, nobody provided me with the terms and conditions of the credit card. By the end of the XXXX  months ( XX/XX/year> ), my balance was around {$3200.00}. However, my current balance shows {$6400.00}, which seems very unfair considering I made regular payments. 

I tried to resolve the issue myself, but it didnt go well. XXXXXXXX XXXX XXXX works with a third-party company, Comenity Bank , and they refused to help me with this problem. I would also like to mention that XXXX is not my native language, so I may not have fully understood some of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: AZ

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX  Bankruptcy XXXX XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address XXXX es XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX Employers : XXXX XXXX Former XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As XXXX XXXX XXXX Employers XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: AZ

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Bankruptcy XXXX XXXX  Bankruptcy XXXX XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address XXXX es XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX Employers : XXXX XXXX Former XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As XXXX XXXX XXXX Employers : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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