vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
Please help. This problem has been going on for months with Chime checking account and credit builder account. My tax return was received then almost immediately entire amount taken ( XXXX ) in XX/XX/2022. My identity was changed multiple times and locked out many times so that I could'nt even see what was going on. I have tried to resolve with both chime and the unauthorized merchants. none were helpful. chime did an investigation on their own and stated it was not considered fraud but offered no explanation. even after my account was closed i recieved text asking if i had changed my phone number or charged x amount of dollars on the account. account is currently closed and money has not been returned to me. I have saved all my emails and facts/screenshots amounts and dates hoping to resolve this. It is a lot of money that I really needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I was notified of a new line of credit on my credit report. It was from Credence which is a debt collections agency. I contacted them to see what it may be from and was informed that I owed XXXX XXXX XXXX XXXX {$1800.00} for devices that were purchased in XXXX of 2022. I have never had an XXXX XXXX XXXX XXXX account or used them to purchase devices. I was provided an address in XXXX, MI and phone numbers by the credit reporting agency that did not match my information currently or at the time of the theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 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:
So I have been in dispute with XXXX Equifax and XXXX about these erroneous accounts they have allowed to report on my credit report with out my knowledge and permission. so after months being ignored I did my own research and I found that the according to the Fair Credit Reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX of TX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX : XXXX of texas XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX an # XXXX XX/XX/XXXX now the following are the laws that were violated as stated in the Fair Credit Reporting Act. 

15 U.S.C 1681 section 602 A : I as the consumer have a right to privacy 15 U.S.C 1681 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions to do so. ( I did not give written instruction to do so ) 15 U.S.C 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the the following items of information : Any other Adverse item of information, other than records of convictions 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 2022-06-21 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: TX

Complaint narrative:
So I have been in dispute with XXXX XXXX and Experian about these erroneous accounts they have allowed to report on my credit report with out my knowledge and permission. so after months being ignored I did my own research and I found that the according to the Fair Credit Reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX of TX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Family XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX : XXXX of texas XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX momentum XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX an # XXXX XX/XX/XXXX now the following are the laws that were violated as stated in the Fair Credit Reporting Act. 

15 U.S.C 1681 section 602 A : I as the consumer have a right to privacy 15 U.S.C 1681 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions to do so. ( I did not give written instruction to do so ) 15 U.S.C 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the the following items of information : Any other Adverse item of information, other than records of convictions 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 non-monetary relief
Consumer complaint received 2022-06-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2022-06-21 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Explicitly instructed card not to allow specific merchant not to make any charges on my account after writing to merchant and cancelling their services. Card continued to allow the merchant to charge my account even after providing them with written copy of the cancellation. 

I made a complaint to the XXXX, and the merchants Vp even said charges would be reversed yet this past Saturday and Tuesday morning XX/XX/21 the disputed charges are now showing up on my cc account again. 

I even fully paid off the credit card account and closed it a few months ago to ensure no future unauthorized charges got pushed through in the future and now those disputed charges from the merchant are showing back up on my statement even though the card is closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: IN

Complaint narrative:
This debt was paid XXXX XXXX and was removed from XXXX and XXXX that day. Today, it is still reporting to XXXX as unpaid and when I called, they stated first that they sent notification of payment on XX/XX/XXXX, then today ( XX/XX/XXXX ) said that when its disputed they have to wait for the client ( XXXX XXXX ) to send the paid receipt but they have been reporting it as paid since XXXX. I spoke with XXXX XXXX and they said its been showing as paid. XXXX has no record of it being paid and even shows it on the dispute. You cant talk to anyone other than the customer service representatives because theyre all equipped with reporting expertise and there isnt anyone higher up to speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is knowingly reporting inaccurate account information regarding my XXXX XXXX XXXX XXXX XXXX after being notified of the inaccurate information which is a violation of 15 USC 1681s-2. My account was updated to CLOSED/NEVER LATE on XX/XX/XXXX. I contacted Experian regarding the status, disputing that it was closed because it is in fact OPEN. They stated they would submit a investigation and XXXX days later updated my account as PAID/CLOSED showing late payments from XXXX XXXX. This information is incorrect and inaccurate. My account has been reopened since XX/XX/XXXX and they did not properly investigate my dispute, but instead they have reported inaccurate information. Pursuant 15 USC 1692k I am entitled to damages from the consumer reporting agency under the FDCPA. My reputation is being tarnished by them reporting inaccurate information and I am unable to secure a home loan due to this inaccuracy on my consumer report. What was the method of verification for this investigation, how did they come back within 2 days with this inaccurate information that they are reporting. Had Experian fact checked this information on my consumer report they would have know that this status is incorrect and inaccurate. The consumer reporting agency failed to follow reasonable procedures to assure accurate reporting.

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 2022-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I made a payment via check to PayPal Credit on XX/XX/2022 for {$1900.00}. PayPal Credit is funded by Synchrony bank. Synchrony Bank has received the payment and it has cleared my bank. My official account statement dated XX/XX/2022 ( attached ) reflects this payment. My official account statement ( attached ) reflects my available credit in the account summary. However, when I check my credit limit is does not reflect my payment. When I called Synchrony Bank 's PayPal credit division and spoke with three separate customer service representatives I was told my payment would not be reflected for 21 days from the date of its payment ; then I was told it would clear on XX/XX/XXXX ; then I was told it would clear on XX/XX/XXXX, and finally I was told by the last representative that it would clear on XX/XX/XXXX. I asked to speak to a supervisor and was told that she could not explain why three representatives each gave me different clearance dates. I also asked why my official statement, dated XX/XX/2022 would reflect an available credit limit that was NOT accurate and was in fact misleading. It is my opinion that this practice constitutes illegal usury on the part of Sychrony Bank, or at the very least is inaccurate and misleading. Checking with the XXXX  file on Synchrony Bank, there exist over XXXX complaints in the past three years alleging illegal practices engaged in by Sychrony Bank, including the behavior I have outlined in 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
Consumer complaint received 2022-06-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting XXXX XXXX Bank Of America XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

15 U.S.C.1681 section 602 A. States that 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 an account with out my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States 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 ) 15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-06-21 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT THE FOLLOWING ACCOUNTS ARE FRAUDULENT PLEASE BLOCK/DELETE 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 2022-06-21 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: MA

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 XXXX xxxxxxxxxxxx XXXX CLOSED Account Status 24 % Credit Utilization XXXX XXXX Payments XXXX XXXX Age of Account XXXX XXXX  XXXX XXXX XXXX Account Status 127 % Credit Utilization XXXX Late XXXX XXXX XXXX Age of Account XXXX xxxxxxxxxxxx XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX  xxxxxxxxxxxx XXXX CLOSED Account Status N/A Credit Utilization XXXX XXXX XXXX XXXX XXXX Age of Account

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 2022-06-21 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: MA

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 XXXX  xxxxxxxxxxxx XXXX CLOSED Account Status 24 % Credit Utilization XXXX XXXX Payments XXXX XXXX Age of Account XXXX XXXX  XXXX XXXX XXXX Account Status 127 % Credit Utilization XXXX Late XXXX XXXX XXXX Age of Account XXXX xxxxxxxxxxxx XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX XXXX XXXX  xxxxxxxxxxxx XXXX XXXX Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX XXXXxxxxxxxxxxx XXXX CLOSED Account Status N/A Credit Utilization XXXX XXXX XXXX XXXX XXXX Age of Account

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 2022-06-21 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: Grain Technology, Inc.
State: OH

Complaint narrative:
Ive been reaching out to Grain about a month now about my payments and they are not responding all out through email. Which has now caused my account to go into 60 days late payment which shouldnt be happening since there only line of communication is email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2022-06-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2022-06-21 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: PA

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 2022-06-21 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT THE FOLLOWING ACCOUNTS ARE FRAUDULENT PLEASE BLOCK/DELETE FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, Barclay 's Bank Delaware XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX has violated my rights. 

15 U.S.C.1681 section 602 A. States that 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 an account with out my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States 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 ) 15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.

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