vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: AZ

Complaint narrative:
XXXX XXXX, received a call from the chime support number ( XXXX ) at XXXX on XX/XX/XXXX, claiming that my bank account could be at risk of fraudulent activity. Obviously I began to be worried and went through the process to ensure that it wouldnt happen accordingly to the chime support employees requests such as changing my pin and putting a block on any future transactions. After this call disconnected is when un authorized transactions began to be made in XXXX, az at XXXX XXXX XXXX XXXX XXXX. 4 charges of {$100.00} ( total amount {$400.00} ) between XXXX XXXX XXXX on XX/XX/XXXX. I immediately called my bank chime support using the support number they provide ( XXXX ). They claim that the original support employee I spoke with about risk of fraud activities was an impersonator/ the person that committed fraudulent transactions to my account as they insist they do not make calls out to their members. I had no reason at the time to believe otherwise as they were using the same exact phone number of chime financial support, they had all my information prepared without me sharing it such as my name, phone number, digits on debit card, and the total amount I had in my checking account. I had not lost my physical debit card nor had I provided any personal information to anyone directly or online. I have now spent several hours and several sleepless days contacting chime support to investigate these transactions and they have denied my dispute and request for further investigation 4 times now. Chime support claims that there was no error in the 4 transactions that were made of {$100.00} at XXXX XXXX. Even though I called immediately and told them of this situation. I have now opened and reopened my dispute four times with additional documentation to prove that I did not make these transactions, that I was at home in XXXX, AZ. I have lost hope that they will approve my dispute to further investigate this matter. I have now began to rely on other sources that I have reached out to such as, XXXX XXXX, the federal trade commission, the federal credit bureau of investigations, XXXX XXXX XXXX on XXXX XXXX, and the XXXX police fraud department. I have also reached out the merchant XXXX XXXX place directory and XXXX ( XXXX XXXX XXXX XXXX  ). They are limited in information they are able to provide and insist that I allow my bank to handle this matter. however as I said, my bank chime support has denied my dispute to further investigations. I am at a loss of {$400.00}, I am losing sleep over this, I am gaining only stress and a a headache hoping that some one may care that my privacy and checking account has been violated. I am very dissatisfied and disappointed in the progress that has been made so far to retrieve my funds back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX  Balance : {$970.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-21 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: FL

Complaint narrative:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 non-monetary relief
Consumer complaint received 2023-12-21 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: TX

Complaint narrative:
Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please REMOVE them as quickly as possible and send me a copy of my new, accurate credit report. 
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
Consumer complaint received 2023-12-21 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: TX

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

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 odverse item of information, other than records of convictions of crimes which antedates the report by more than seven 15 U.S.C. 16815-2 ( 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-21 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

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 odverse item of information, other than records of convictions of crimes which antedates the report by more than seven 15 U.S.C. 16815-2 ( 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and 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 2023-12-21 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: TX

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 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 2023-12-21 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: EQUIFAX, INC.
State: TX

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint.The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This is a fraudulent transaction on XXXX. Seller listed a XXXX watch for sale as perfect condition and if the buyer had any problem, the seller offered a free return refund in 10 days. It trappedme to purchase it. Right after I paid with my credit card ( XX/XX/XXXX ), the watch was sent to XXXX XXXX for inspection, and then the seller wrote to me admittingthat the watch had some marks on it, and said the seller will provide the repair service. I immediately felt that it could be a scam. But too late, once I received it, I opened a return/refund case, and returned the watch back to the XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ) in XXXX, XXXX. I explained the problem that " the watch back had teeth cut on it, it's not in a perfect condition. I just want to return/refund '' XXXX declined the refund and sent the watch back to me, and closed the case. The reason to closethe case was " the watch was not shipping back inits original condition ''. At this moment, I realized I was totally defrauded by the XXXX seller and XXXX XXXX.Then I immediately opened the case of " defective and not as described, return/refund '' with XXXX and my credit card company. The credit card company first initiated the temporary credit to me and requested me to return the merchandise to XXXX XXXX, and provideall evidence/pictures/emails. I did so, and thought the case was resolved. 
Until XX/XX/XXXX, I noticed that the temporary credit was removed on my credit card account and received a letter saying my claim was declined. I was so shocked. This was an over {$7000.00} purchase. The declined reason was based on all false defenses from the seller. They claimed that the buyer is still in possession of the merchandise. And they provided a different return address, and claimed they don't have the merchandise received by the seller. 
I sent the watch back to XXXX XXXX and kept all USPS tracking numbers. I wrote to XXXX XXXX  ( XX/XX/XXXX ) to ask the merchandise to be sent back to the buyer. The XXXX staff there replied that the merchandise will not be returned to the buyer. They could be scam artists knowing every step to trick the consumerand bank inspection. They played the " one man singing and one man harmony '' scheme. Each person speaks differently and lies about everything. XXXX as the merchant finally admitted that the merchandise is now in their possession.Now, the seller has got the payment and the merchant has the merchandise in it's possession, this is 100 % fraudulent transaction, which I as a consumer should not pay for it.

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 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened up a credit card with Capitol One Savor Code XX/XX/XXXX. They advertised a {$200.00} sign up bonus if you spend over {$500.00} in the first 3 months. I called them XX/XX/XXXX and was told that the {$200.00} would automatically be applied to my first statement. That was a lie. I called XX/XX/XXXX and the robot said my payments were not due until the XXXX of XX/XX/XXXX. I then spoke to XXXX she refused to give me her employee ID. I told her the app would not let me set up automatic payments for a different date an earlier date of what she said the due date was of the XXXX. She refused to give me her employee ID. She said she could help me set up the automatic payment for a different date, that was a lie. I then called back and spoke to XXXX ID XXXX who transferred me to supervisor XXXX ID XXXX who said Capitol One does not allow people to set up auto payments for any day but the day it is due. She also told me that the rewards will not be applied until after 3 months and I have to call and do that in XXXX of XXXX. This is not what I was told before I made a purchase of over {$500.00}. I asked XXXX for the employee ID of the two people who gave me the wrong info and she refused. I told her that I was going to file a federal complaint and she told me I could not get any further information without a subpeona. I believe their system is set up for consumers to be late on payments by not giving them a choice of paying earlier with auto pay and by the robot giving out a due date that is 3 days past the due date and would cause penalties and breach of contract. I tried to update my cell phone on your website and it wont let me. My new number is ( XXXX ) XXXX and I have proof of all the calls with that number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This inconsistency raises serious concerns about the thoroughness and accuracy of your investigation process. As a consumer, I am entitled to a fair and uniform assessment of all fraudulent accounts on my credit report. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. It is bewildering that your bureau would acknowledge the fraudulent nature of some accounts while neglecting to address others. 
XXXX XXXX XXXXXXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX -- PLEASE DELETE!!!! 
XXXX XXXX -- PLEASE DELETE!!!! TU have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand an immediate and comprehensive review of all the fraudulent accounts associated with my credit profile. If certain accounts were deemed fraudulent and subsequently removed, it stands to reason that the same rationale should be applied to all such accounts. Please provide a detailed explanation for the selective removal of fraudulent accounts and clarify the criteria used to determine which accounts are considered fraudulent and which are not. Transparency in this matter is crucial to rebuilding my trust in the credit reporting system.

Company response to consumer: Closed with non-monetary relief