vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 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: NY

Complaint narrative:
On XX/XX/2023 I got a txt msg from Chime asking if I authorize a transaction, I replied No ; and they replied back to me that the transaction was block an decline. They I kept getting the same txt but different amount over and over and I kept replying No. So, I login to my account and see 6 pending transaction within 6 minutes at the same location. So I called Chime and while I was with them on the phone some of the transactions where coming in. They told me that the transactions are pending and will be rolled back to my account. Chime later approved the transaction, they blocked my card saying they'll send me a new on, I didn't receive the new card in 10 days until I call again. I got the new card on the mail and still Chime refused to tollback, credit or refund my money back. Chime is a Fraud enabler, they authorize transaction fully knowing its fraud and leave the customers with zero, empty handed. If you link your paycheck, it will be the same Chime will steal all you funds in a minute. It shouldn't be that easy and that's exile I fully believe Chime and they employees are stealing customers money. I JUST NEED ALL MY MONEY BACK. IT'S BEEN 15 DAYS NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: NC

Complaint narrative:
This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

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 2023-02-02 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: NC

Complaint narrative:
This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Received an alert that there was a new Hard Inquiry on my credit report made on XX/XX/2023, by XXXX XXXX. I did not authorize the credit check or apply for credit or a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
LVNV Funding, LLC is in violation by federal law of 15 U.S. Code 1692c ( a ) Communication with the consumer generally- Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I did not give consent. This company in violation of 15 U.S. Code 1692g a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice. I was given a written notice in five days of initial contact. Also this company is in violation of 15 U.S. Code 1692d where states a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Therefore I did not give this debt collector permission to contact nor did this agency was apart of original agreement with original creditor. Therefore the communication is harassment. See attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: CO

Complaint narrative:
Dear Equifax, I am writing to express my dissatisfaction with an item that still appears on my credit report. Despite my repeated efforts to have it removed, it remains and continues to negatively impact my credit score. 

The item in question is XXXX XXXXXXXX XXXX  XXXX. I believe this information to be inaccurate, as ID THEFT. I have provided documentation to support my claim and have made multiple requests for its removal but to no avail. 

I am extremely frustrated that this issue has not been resolved and I strongly request your immediate attention to rectify the situation. This incorrect information is hindering my ability to secure loans and other financial opportunities and I demand that it be removed as soon as possible. 

Furthermore, I will keep submitting these complaints until you resolve my issue. Your investigation was not satisfactory as it feels like you didn't even read my complaint. I will keep submitting these complaints until you resolve my issue. Your investigation was not satisfactory as it feels like you didn't even read my complaint. XXXXXXXX XXXX does not get a say in this. This is ID Theft. I have everything here from the police. Please remove this item. 

I would appreciate an actual human response and resolution to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: IL

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

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

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

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 2023-02-02 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached a FTC report with inquiries I did not authorize and I do not recognize. Please remove from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: NJ

Complaint narrative:
On XX/XX/2022 I reached out to credit reporting agency Experian, XXXX, XXXX. Letting them know i was a victim of identity theft. I sent a list of fraudulent accounts a long with a ftc report and my identification. Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Which was never done which means they are in direct violation of FCRA right under the Fair Crediting reporting Act 15 USC Section 1681 violation for willful non compliance - Section 616 civil liability for wilful noncompliance ( 15 U.S.C. section 1681n ) which is XXXX per violation which i am seeking.

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 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Found this card in my husbands things after his death. Called to inform them in XX/XX/XXXX that this was not opened by me and I did not authorize My spouse to open this account. Letter sent to Customer Service/Fraud unit on XX/XX/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 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Self Financial Inc.
State: MS

Complaint narrative:
I filed bankruptcy, Self INC closed out my account even I was paying it on time. I never missed a payment or late. I ask them to removed this and it still showing it still on there

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: TX

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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: IN

Complaint narrative:
In XXXX i was notified by XXXX XXXX that a judgement of {$4000.00} was made against me plus a {$1100.00} legal fee. Making the amount owed to be {$5200.00} Then I got a letter from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, IL. that they are doing the garnishment for XXXX for {$4000.00} plus court with a total of {$5200.00}. In XXXX of XXXX the garnishment stopped because it was paid off. In XXXX of XXXX I received another letter from XXXX XXXX XXXX saying that XXXX had said they had not received any payment since XXXX XXXX. That the were starting another garnishment for {$3100.00} for the balance still owed. The amount of money taken out of my paycheck has been as follows. The year XXXX was {$2400.00}. The year XXXX till XXXX was {$2700.00}. The year XXXX after XXXX was {$1000.00} ( the start of the 2nd garnishment ) The year of XXXX so far being over {$600.00}. This means I have had over {$6600.00} on the garnishments. If they go the full amount they expect to take out of my pay it will be {$8300.00} for a garnishment that was only suppose to be {$5200.00}. The garnishment is still being taken out of my pay every week. If I have to a copy of my pay stubs for the amounts shown can be provided. They should have the record of payments made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I have taken a look at my consumer reports and there were two late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account ComenityCapitalXXXX XXXX. Please investigate and provide proof with statements showing that I was late on payments. If no proof is provided I demand that my payments are updated to on time as they were never late. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
About a week ago, I visited my online Bank of America ( further referenced as " BofA '' ) XXXX XXXX  site to change my Pay From bank accounts registered on that site that are used for making payments to my BofA credit cards ( I have four credit cards with BofA : ending in XXXX, in XXXX, in XXXX, and in XXXX. ) During the visit, I deleted several of my older bank accounts already registered on that site in the past ( some of which were still shown as " Unverified '' ) that I no longer use, and added a new one, which went into " Unverified '' status. I tried to add yet another account, but ran into an error message " Verify one of your accounts before adding another. You currently have the maximum number of unverified accounts allowed by Bank of America. '' Thinking that maximum is one, and realizign the account I had added is not the one I actually want to use, I deleted the " Unverified '' account I just added, and tried adding another one again, only to receive the same error message, " Verify one of your accounts before adding another. You currently have the maximum number of unverified accounts allowed by Bank of America. '' I've contacted Bank of America for help with this issue several times by phone, yet BofA was not able to resolve the issue for me. As it stands today, XX/XX/2023, I have a BofA XXXX XXXX profile with only one verified bank account and no unverified bank accounts listed, and can not register any other or new bank accounts due to receiving an error message " Verify one of your accounts before adding another. You currently have the maximum number of unverified accounts allowed by Bank of America. '' But there are none, and I don't have any to " verify ''! Please help resolve this issue ; otherwise, I'm not able to make BofA XXXX XXXX online payments from my desired bank accounts to my BofA credit cards due to this technical issue on BofA online XXXXXXXX XXXX site!

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 2023-02-02 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: CT

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc.
State: VA

Complaint narrative:
Payment process is intentionally difficult in order to charge fees. I paid my monthly loan payment before the due date in XXXX, but my payment was not applied toward the monthly payment because I received a notification that my auto draft payment was unsuccessful. I called customer service and was assured that my account was current, I would not be charged any fees, and further auto draft attempts would cease- this was not true, I was charged a fee by avant, though no payment was late, and I was charged a fee by my bank for their attempts to draft an additional payment. For the month of XXXX, again I manually paid my monthly bill, and it did not automatically credit my payment toward the bill for XXXX, instead my account still wanted an additional payment. I called customer service where they had to manually apply the payment I made toward my bill, lest I incur another fee- after the change to my account was made by customer service, there was an erroneous fee that did not appear before, I attempted to contact customer service again, but was repeatedly hung up and unable to gather any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Reaching out about the Wells Fargo lawsuit, involving my mothers then Mortgage. XXXX XXXX XXXX Its the XXXX XXXX dollar suit. We closed her mortgage in XXXX, she had the mortgage from XXXX, it was modified a number or times.

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 2023-02-02 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: MI

Complaint narrative:
I have previously disputed this item with you > XXXX XXXX XXXX XXXX. Reference # XXXX < and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately.

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 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I received an Alert Notice from XXXX that Synchrony Bank closed my CareCredit  card. 

Today, XX/XX/XXXX2023, I was finally able to get through to CareCredit Customer Service. When I inquired why my account was closed, the CS Rep said, " the bank closed the card ''. Over and over and over again, I ask the CS Rep WHY my CareCredit card was closed explaining that I have had the card since XXXX, that my credit scores are in mid-800s, and that I had never missed or been late on any payments. She kept repeating that the bank closed the card. 

I then requested to speak to a Manager. XXXX XXXX then took the call and upon asking him why the card was closed, he repeated same line as the CS Rep . I then made it very clear to XXXX that I wanted an explanation for why the card was closed. XXXX then said, on a call that I recorded ( per NYS law ) that the account was closed because the card expired, which I found rather humorous since the CareCredit Card does not! expire nor is there an expiration date on the card. I then told XXXX that I wanted an explanation for why the card was closed. He further repeated what he said falsely claiming the card expired in XXXX and that that is why the card was closed. 

I then told XXXX if he did not provide an actual reason for why the card was closed, I would file a complaint with the CFPB. He repeated his claim that the card expired in XXXX and that that is why the card was closed, thus this complaint.

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