vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: SC

Complaint narrative:
My account was hacked and a large lump-some was stolen. I immediately contacted my bank ( CHIME, a popular online bank ) and reported the fraudulent transaction of {$670.00}. I submitted a dispute, which they denied. I then collected more evidence that it was a hacker, and also fraudulent, and submitted an appeal for their decision ( they call it a rebuttal ), chime then reassures me that with the additional evidence it should be handled within 15-90 business days. I checked my email this morning and they decided to again deny the claim. I believe the bank is refusing to refund my money due to it being a large amount. The evidence I submitted clearly shows that the wired transfer was illegitimate and fraudulent. The hacker stole over half my paycheck and I have been without money for over two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: OH

Complaint narrative:
The debt collection agency XXXX XXXX XXXX XXXX XXXX has sent letters recognizing the fraud that was committed and has promised to remove the account # XXXX from my credit reports. However Equifax is the only credit reporting agency that has not complied. 

This is greatly affecting my credit score and ability to receive approvals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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:
i WILL NERVER BEEN LATE TO PAY.

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 2022-12-26 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: NY

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 accounts. 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 2022-12-26 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: NY

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: CT

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 XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not permit information 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 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows so has reasonable cause to believe 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 2022-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Please reopen complaint XXXX. 
I have not received a response to my settlement request that was made several times in writing to the company. They state they have tried to reach me, but this is false. I do not have a phone and they have not responded via mail, even after being given my current address. This company has not provided a proposed response to my settlement request and is blocking my ability to settle this debt by ignoring the request.

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 2022-12-26 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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-26 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was a victim of fraud. Someone scammed me via telephone, saying that they were XXXX, regarding a cable promotion. I answered the phone call thinking that they were a legit representative from XXXX and XXXX, which they were not. They talked me into getting my credit card information and they tried to steal {$4500.00} off of my credit card and tried to put the money on gift cards to obtain services, but never received the services. They did charge my credit card, which they did it as a cash advance, which I did not authorize. Therefore, I was able to retrieve my money back by contacting Navy and allowing them to assist me in correcting the issue. Therefore, it has caused my credit card to be charged double interest because Navy Federal Credit Union treated this as a cash advance and is still charging me double interest, which I should only be paying one interest on my own charges purchases. I contacted them about that, but they never fixed the issue. Please correct this matter immediately, where I am ONLY charged for one interest, which is for purchases and not cash advances. Thanking you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card accout under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card accout under an open end consumer credit plan as late for purpose.

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 2022-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ

Complaint narrative:
I closed this acct on XX/XX/2022 paid in full Getting bills for card late fees and interest i wrote to XXXX and XXXX and XXXX No results XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX XXXX XXXX XXXX Acct last digits 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 monetary relief
Consumer complaint received 2022-12-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My name is XXXX XXXX. XXXX client of Bank of America. 
I have the credit card visa XXXX. 

I'm traveling in XXXX and unfortunately on XX/XX/2022 I was robbed in XXXX, where the XXXX thieves with physical aggression took my cell phone while I was using it. They blocked my XXXX password so that I couldn't block the cell phone having access to all my passwords and apps. 

Once I had access to my computer, I logged into online banking and changed my online password, and also blocked my debit and credit cards. 

I went to the police station to register the robbery : Report number : XXXX Departamento de Policia : XXXX D.P Sacoma Address : Av. XXXX XXXX XXXX, XXXX Sacoma So Paulo/SP XXXX - XXXX XXXX : XXXX XXXX de XXXX XXXX XXXX XXXX XXXX bank I have the report to send to them *** I contacted the bank to notify the robbery. I informed them that any transaction carried out from XX/XX/2022 onwards was not made by me on my credit card or bank account. 

CREDIT CARD VISA - Number XXXX PROTOCOL XXXX ( RECORDED CALL ) The attendant informed me that there were 6 transactions, 2 of which had been declined by the bank due to suspicious activity and other 4 were still being processed. ( I couldnt see the transactions on the online bank ). 

XXXX {$18000.00} to XXXX XXXX XXXX XXXX {$15000.00} to XXXX XXXX - Processing U {$18000.00} MP XXXX - Processing U {$5700.00} MP XXXX - Processing U {$16000.00} to XXXX XXXX XXXX suspicious activity U {$18000.00} to XXXX XXXX - Declined suspicious activity I informed him about the theft and that they probably had access to all my passwords. 
I said that all the transactions carried out were not made by me, that in fact the 2 transactions were correctly blocked by the bank and I requested that they to CANCEL ALL TRANSACTIONS THAT WERE STILL BEING PROCESSED. I pointed out that 2 of them still being processed ( XXXX XXXX ) were from the same establishment that the bank had already declined the transaction due to suspicious activity. 


Bank resolution : The bank opened claim XXXX, they did not decline the transactions that were still being processed and the purchases were processed on my card on XX/XX/XXXX. The bank responded to the claim saying that my password was used and therefore, they would not refund the amount.

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 2022-12-26 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: NC

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-26 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:
I XXXX XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
In XX/XX/2022, I paid off my credit card balance with Comenity Bank, however, they have refused to update my credit reports with the {$0.00} balance. Instead, the reports all still show a balance owed on the account. I have requested that Comenity Bank update the credit report balance, but they have been non-compliant. The canned response is that " Because of a recent system upgrade, we have chosen not to report account updates to credit bureaus at this time ... '', but that they " expect to provide an update to the credit reporting agencies within XXXX billing cycles. '' It's been XXXX months and they still haven't updated their reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26 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: NY

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
XXXX Credit Card ( with Comenity Capital Bank as actual provider ) advertises zero interest for purchases of {$190.00} or more if paid in full within six months. On XX/XX/XXXX, I applied for the credit card after being advised by XXXX of the promotional rate ( specifically because of the promotional rate ) and made a brakes purchase of {$810.00}. Instead of receiving the zero interest promotional rate, Comenity Capital Bank immediately began charging me 25.99 % interest. When I noticed these interest charges some weeks later, I immediately contacted Comenity customer care both by phone and email. The bank admits that a promotional purchase should have been available- in fact, they state that I was eligible for 12 months at zero interest. Yet they maintain these fraudulent interest charges can not be removed because the order was " processed '' wrongly at the store level. The website to apply for the card XXXX XXXX XXXX XXXX ) very clear states an unequivocal policy. In fact, they use that policy as the primary promotion for the card and it is listed in bold at the top : " ZERO INTEREST IF PAID IN FULL WITHIN 6 MONTHS '' " On purchases of {$190.00} or more made with your XXXX Credit Card. '' I have given the company numerous opportunities to resolve this matter directly and they have indicated it is not their policy to do so, even though I have advised them of the false advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-26 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.  15 USC 1666B : A creditor may not treat a payment on a credit card accout under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.  15 USC 1666B : A creditor may not treat a payment on a credit card accout under an open end consumer credit plan as late for purpose.

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 2022-12-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-26 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX XXXX XXXX Account XXXX : XXXX The notation of the late payment is inaccurate. 

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 also states consumer reporting agency can not furnish an account with my written concern.

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 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 2022-12-26 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: AL

Complaint narrative:
Ive reviewed all three of my credit reports and I've noticed that multiple of my accounts are showing inaccurate information. Ive tried countless of times to dispute via phone and online portal with no results. These accounts have inaccurate loan balances, late payments, credit usage and account type. Please fix the following so it can be accurate with all three credit reports 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