vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: Chime Financial Inc
State: CA

Complaint narrative:
Chime has treated me unfair lied to me on multiple occasions I filed a dispute for XXXX XXXX  because of a scam filed this dispute provided documents to prove my dispute was not given the provisional credit when I was assured that I would receive my provisional credit every time it get close to the date they give me that the credit will post they deny the dispute with no documentation on why my then file a rebuttal which moves the provisional credit date this has happened several times then all of sudden the XXXX dispute go down to XXXX XXXX  which they can not explain and it has now been 120 days and they are still working on it in XXXX my phone was stolen I sent in police report copy of arrest of the person who stole it multiple charges to my account no provisional credited was provided they assured me again that I would receive my money and I sent in documents my dispute was denied a couple days before the provisional credit was due even though I gave support documents about my claim In XX/XX/XXXX I received my social security check and they took XXXX dollars for a loan they provided through their my pay at the time my phone was stolen And when I bring this to their attention they say I file a new claim I have been discriminated against because of my XXXX and race I have been on the phone with while they patronize me send me over two different operators I can hear them laughing and making XXXX remarks and theyll switch me to someone else never answering my questions. Never give me a reason why Im not getting a credit each time they switch me over to a person theyll turn around and ask me my name my address and my lab where my Social Security number turn around and say what is this about? Ill be on the phone for hours and a time with you and then theyll tell me you dont have to keep calling us. Youre gon na get your money. Im not being treated here and Ive asked the lawyer about this and they said that I should have received a provisional credit within 10 days if they did not resolve the incident and I should been given documents of why, why they denied it and what they used to deny it I never received this. They tell me it takes to 20 days to receive those documents and when I asked for the documents will reopen the dispute and then theyll say youre gon na get a credit on this day and then the day Ill change again and just keep going going and Im just tired of it. Im right now being homeless and my car taken and then my check came and it took {$500.00} out of that loan provided stolen and because I told him that I have a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received notification today, XX/XX/XXXX that I have XXXX new credit inquiries that were submitted today, XX/XX/XXXX. 

I did not submit an application and I have been notified also by XXXX XXXX earlier this week that new credit cards have been requested in my name. I had to change passwords to banking accounts and etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: OH

Complaint narrative:
This letter serves as formal notice regarding your failure to comply with the Fair Credit Reporting Act ( FCRA ). Specifically, the information related to XXXX XXXX XXXXXXXX opened XX/XX/2023 appearing on my credit report is inaccurate, unverifiable, or incomplete.

Background I submitted a dispute regarding this item to Equifax.

To date, you have either failed to : - Respond within the 30-day investigation period as required under FCRA Section 611.

- Provide sufficient documentation verifying the accuracy of the account, or Correct or remove the inaccurate information from my credit report.

Your actions ( or lack thereof ) are in direct violation of the FCRA and have resulted in harm to my credit profile, financial standing, and peace of mind.

Demand for Resolution To resolve this matter amicably and avoid further escalation, I demand the following actions be taken immediately : 1. removal of the inaccurate account from my credit report. 

You are required to respond to this letter within 15 days of receipt. 

Failure to comply with this request will leave me no choice but to pursue legal action. I will seek remedies available under the FCRA, including statutory damages, legal fees, and court costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to request your assistance regarding a XXXX account that has been on my credit report for over seven years. According to the Fair Credit Reporting Act ( FCRA ), negative information should not remain on a credit report beyond seven years. Despite my multiple requests for deletion, XXXX continues to refuse action, and this outdated account is adversely affecting my credit score. I urge you to investigate this matter to ensure compliance with FCRA regulations. It is essential that this issue is resolved promptly to mitigate further damage to my credit standing.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to request your assistance regarding a XXXX account that has been on my credit report for over seven years. According to the Fair Credit Reporting Act ( FCRA ), negative information should not remain on a credit report beyond seven years. Despite my multiple requests for deletion, XXXX continues to refuse action, and this outdated account is adversely affecting my credit score. I urge you to investigate this matter to ensure compliance with FCRA regulations. It is essential that this issue is resolved promptly to mitigate further damage to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to request your assistance regarding a XXXX account that has been on my credit report for over seven years. According to the Fair Credit Reporting Act ( FCRA ), negative information should not remain on a credit report beyond seven years. Despite my multiple requests for deletion, XXXX continues to refuse action, and this outdated account is adversely affecting my credit score. I urge you to investigate this matter to ensure compliance with FCRA regulations. It is essential that this issue is resolved promptly to mitigate further damage to my credit standing.

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 2024-12-28 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: OK

Complaint narrative:
I am writing to inform you that I am a victim of a recent data breach and request that the following inquiries, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized inquiries removed from my credit report.

Inquiries for Blocking and Deletion : XXXX XXXX XXXX Inquiry Date : XXXX 2. XXXX XXXX XXXX Inquiry Date : XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: OK

Complaint narrative:
I am writing to inform you that I am a victim of a recent data breach and request that the following inquiries, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized inquiries removed from my credit report.

Inquiries for Blocking and Deletion : 1. XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX Inquiry Date : 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 explanation
Consumer complaint received 2024-12-28 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: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
Lexington law was supposed to fix my credit and didnt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: NY

Complaint narrative:
Hi I am trying o get a bank account opened and they are refusing to open one account called check free hassle there now I did reach out to the bank myself and they refuse to help out there and I do have the names of the prism I did contact need some help there

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: LA

Complaint narrative:
I am writing to inform you that I have become a victim of a data breach. As a result, I am requesting that the following accounts and inquiries, which were fraudulently opened or made without my consent, be blocked and deleted from my credit report. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA XXXX ( b ). 
XXXX Accounts 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: LA

Complaint narrative:
I am writing to inform you that I have become a victim of a data breach. As a result, I am requesting that the following accounts and inquiries, which were fraudulently opened or made without my consent, be blocked and deleted from my credit report. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA XXXX ( b ). 
XXXX Accounts 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 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 XXXXXX/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 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This was theft of {$1000.00} at a Wells Fargo Bank ATM. Here 's the address of the bank : Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, PA XXXX There was a large group of people at the bank. I tried to deposit using my tap debit card at the ATM that was outside the bank on XX/XX/year> at XXXX XXXX. The ATM was full or something so I couldn't deposit a check like I wanted to. I left the ATM, I think without waiting for my account to close out. At this point I went into the bank to deposit. Someone, not an employee, was watching me and there were lots of people in there. I made my deposit at the counter. When I was in there, I believe someone jumped up to the ATM which was outside and took {$1000.00} out of my account, because {$1000.00} was taken out of my account at XXXX XXXX  based on an email I received from the bank but I didn't notice that I received it for about 20-30 minutes. I called Wells Fargo two times about the fraud but they've said they are dropping the case both times, with no logical reason. I did the first fraud complaint within about an hour of this happening. I will attach the first fraud denial letter that they sent to me, where Wells Fargo says I should consider the case closed.

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 2024-12-28 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: PA

Complaint narrative:
My auto loan was charged off between XX/XX/XXXX and XX/XX/XXXX, then reported to the XXXX credit agencies as a charge off, when I inquired about the reason for the charge off the creditor XXXX stated they reserve the right above federal policy guidelines to charge off an account basically after non payment or expectation there of min of 120 days consecutive or non consecutive combined throughout the loan period or calendar year. 


XXXX. Delinquency Periods : XXXX, usually report delinquencies in increments30 days late, 60 days late, 90 days late, and so forth. If My account was reported as 30 days late on XX/XX/XXXX and after that remained current as agreed for the next ten months until XX/XX/XXXX or XX/XX/XXXX as reported on Experian credit reports for the last XXXX plus years it would suggests that there were no further delinquencies reported after the date of XX/XX/XXXX, If fair credit reporting policy is followed or based off of Where is the 120 days delinquency or No funds recovered or received not to mention the issue that the creditor XXXX  stance that they had the expectation that recovery of funds was unlikely. This is confusing because as reported in XXXX report dated and furnished XXXX reported they had confirmed and tracked payment being sent from XXXX XXXX XXXX in XX/XX/XXXX so the question of whether the creditor has a claim that payment recovery is unlikely draws a significant difference of opinion My question is for consecutive reporting cycles and requested investigations submitted to Experian Credit Agency and the CFPB who is reviewing these responses given by the creditor regarding how they implement charge off reporting, protect the consumer from creditors functioning as is or at will.

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 2024-12-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing regarding my transaction with XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX with a charged of XXXX. The two rugs I ordered were supposed to be delivered one week earlier, but instead, they were sent to the wrong address despite my repeated attempts to update the delivery address with both XXXX on XX/XX/XXXX and XXXXXXXX XXXX XXXX XXXXXXXX. As soon as I realized the issue, I submitted an investigation request to both XXXX  and XXXX XXXX XXXX XXXXXXXX. Additional, I put a dispute in with Chase on XX/XX/XXXX. As of XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX and XXXX has agreed to refund my money. However, Chase Credit Card Company will not refund me the money that was refunded to me by the company XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
Between roughly XXXX to XXXX I paid Lexington law for services that would fix and help my credit. They failed to properly assess my situation. They charged me for the years I requested their services and to no avail on my behalf of their said service provision. 
Im seeking a full refund and compensated for the suffering effects of money loss and denials of personal factors involving all business that requires my credit to be pulled and used in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
In the Spring of 2024 I opened a savings account for my mother-in-law, XXXX XXXX, who XXXX XXXX in XX/XX/year> and is very hard of hearing. 

Around that time, we titled the account as a XXXX XXXX with XXXX as the sole Trustee. 

On or about XX/XX/year> we sent Citizens Access a letter asking that my wife, XXXX XXXX XXXX, and I be given Power of Attorney in the trust account, to act on behalf of XXXX, who is my wife 's mother and my mother-in-law. 

On or about XX/XX/year> my wife XXXX XXXX XXXX mailed a letter of instruction, copies of our drivers ' licenses, a case number - XXXX - and account number - XXXX to Citizens Access in Rhode Island. 

The following day, my wife realized we had not included the current signed notarized Power of Attorney. My wife sent the signed notarized Power of Attorney under separate cover, dated within a week of XX/XX/year>, with a cover letter, describing the materials mailed the previous day. Both the first letter of instruction and the subsequent cover letter requested that the original signed notarized Power of Attorney document be returned. We did not make a copy of the Power of Attorney. That document only exists in the original signed notarized version. There is no copy of the Power of Attorney.

This correspondence was with Citizens Access Account XXXX ; ROP XXXX ; XXXX XXXX XXXX ; XXXX RI XXXX Some time later, we received a letter From Citizens Access with the XXXX page of the Power of Attorney attached. 

On XX/XX/year>, I called the telephone hotline, asking for the rest of the Power of Attorney. After two additional calls on XX/XX/XXXX, I was told I needed to send the Power of Attorney document. I was told the one I sent was a copy and they needed the original. 

At some point after that, the account was frozen for withdrawals but deposits were accepted. 

As it happens, I have a banking relationship with the brick-and-mortar operation at Citizens Bank, including sharing signed notarized Power of Attorney documents on several occasions. I mentioned to the bank officer that I was having a very negative experience with her counterpart organization - Citizens Access. I understand that calls were made internally to understand what was necessary to unfreeze the account. 

I made additional phone calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX calls on XX/XX/XXXX. 

In my last call to Citizens Access, I was told to send the Power of Attorney to a new address in XXXX XXXX Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: IL

Complaint narrative:
My XXXX daughter received a {$100.00} gift card from XXXX for XXXX. When I removed the strip from the back of the card ( per XXXX instructions ) to reveal the gift card number and pin the sticker pulled off all the numbers. I phoned XXXX to discuss and was told I needed to email them proof of purchase and without a receipt there is nothing they can do and the value is lost. We were not provided with a receipt as it was a gift. When I pointed out that XXXX is selling faulty gift cards and pocketing the value they told me there is nothing they can do. There are many other numbers on the back of the card that they should use to track the card, but they refuse to assist and instead steal the funds. XXXX is familiar with this issue, knows it happens and is doing nothing to protect customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: DE

Complaint narrative:
I have recently examined a copy of my credit report and identified fraudulent accounts listed. I kindly request the removal of these accounts from my report as they are negatively impacting my creditworthiness.

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