vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: GA

Complaint narrative:
Initially, I contacted the prepaid debit card company Chime, on XX/XX/2022, via email for unauthorized debits that were drawn from my account. I received my direct deposit every two weeks into my Chime account and Chime acts as my financial institution that failed to honor my request for revoked authorization that was made prior to XX/XX/2022, via the Chime Bot. Chime was contacted via email and advised that there were 5 unauthorized transaction that occur on XX/XX/XXXX. 2022 by XXXX or it may appear as XXXX XXXX, I advise Chime that the merchant no longer had the authorization to debit my account. Yet on XX/XX/2022 after all efforts on my end to ensure that an unauthorized debit doesn't occur. XXXX XXXX XXXX XXXX was able to debit my account 3 times for XXXX then started to take random amounts of XXXX and XXXX which cause my account to go into overdraft status. I contact Chime yet again to advise that the merchant no longer had the authorization to draft my account. I spoke with several representatives who advised that the merchant will no longer be able to draw from my account. Yet on XX/XX/2022, another transaction occur from XXXX XXXX after speaking with Chime representatives to revoke authorization. They should not have been able to draft my account and do not have any authorization to debit my account. Any transaction that is honored, is without my consent. The debits continue to occur although Chime has been contacted several times via phone and email and advised as my financial institution not to honor any transaction from the XXXX XXXX XXXX. The debits continue to occur although I have received a new debit card, I revoked authorization. My request is not being honored as a result I am being forced to pay for transactions that show not be drawn from my account. This matter has caused hardship by allowing an unauthorized transaction to continue to be honored. Another attempt to debit my account occur this month in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I have a Mastercard that I received when I went to XXXXXXXX XXXX XXXX and they offered a rewards program. I have been using my card and have had my payment automatically drafted from my account every month for 3 years - never a problem. I noticed during my online banking that my XX/XX/XXXX payment that was drafted was {$270.00} instead of the $ XXXX that I pay each month. I attempted to go online and figure out what was causing the problem, and after attempting to login several times without any luck, I tried calling the number on the back of my card. After entering my details, I received an autoreply that they could not speak with an authorized user. I am the account holder - not a user! As soon as the message was over the call was automatically disconnected. I started looking for other ways to contact Comenity ( they began processing payments several months ago and they've recently been taken over by Bread XXXX or possible changed their name to Bread XXXX ). I began doing some online research to see if there were other complaints from consumers, and there have been hundreds. This Comenity/Bread XXXX has been ruining consumers ' credit scores by reporting false information such as consumer hasn't made monthly payments, late payment fees being applied month after month when they're claiming consumers did not pay. It is IMPOSSIBLE to speak to a human about this critical problem and I'm terrified my credit score is going to be impacted this month. I assume the {$270.00} was possible late fees and not my automatic payment, but it's impossible to determine because Comenity 's online system is down and has been down for several weeks if not months, as reported by other consumers who have filed complaints against Comenity/Bread . I believe a class-action lawsuit has recently been filed against Bread XXXX and I am pursuing this course of action. I have done absolutely everything required by me to determine why my XXXX automatic payment was about {$200.00} less than my last monthly automatic drafts by going online to access my account to calling them directly to pay this credit card account, with absolutely ZERO success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: PA

Complaint narrative:
The collection agency Capital Accounts sent a bill for a medical debt account. I sent a request letter for the information to be validated and they sent me a copy of the bill from the original creditor which is a dentist. They violated HIPPA by sending a copy of my bill which included my procedures, operations, medications, etc. I did not sign a HIPPA form authorizing the collection agency to access my medical records. Collection on accounts has to cease immediately and the information needs to be removed from my credit reports as well. They are not allowed to collect or report on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: NJ

Complaint narrative:
I sent Experian and XXXX and also XXXX a detailed police report to make them aware I was a Id theft victim for XXXX XXXXXXXX and XXXX XXXX XXXXXXXX I mailed them a police report and I emailed them a police report there investigation failed to remove the id theft account from my credit report creating hardship for me obtaining credit my score was good before all this I have been fighting with credit bureaus for over 3 months to fix this and they are in violation of fcra for not removing the Id theft debt after I produced a police report for XXXX XXXX and XXXX XXXX accounts and inquiries on my credit report Im asking these agencies to please remove this permanently off my account so I can get on with my life XXXX XXXX was removed once before than added back Experian failed to investigate and put a pending satus on my report instead of full removal and its been past 30 days

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 2022-08-12 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: NJ

Complaint narrative:
I sent XXXX and XXXX and also transunion a detailed police report to make them aware I was a Id theft victim for XXXX XXXXXXXX and XXXX XXXX  XXXX I mailed them a police report and I emailed them a police report there investigation failed to remove the id theft account from my credit report creating hardship for me obtaining credit my score was good before all this I have been fighting with credit bureaus for over 3 months to fix this and they are in violation of fcra for not removing the Id theft debt after I produced a police report for XXXX XXXX and XXXX XXXX accounts and inquiries on my credit report Im asking these agencies to please remove this permanently off my account so I can get on with my life XXXX XXXX was removed once before than added back XXXX failed to investigate and put a pending satus on my report instead of full removal and its been past 30 days

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 2022-08-12 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: NJ

Complaint narrative:
I sent XXXX and equifax and also XXXX a detailed police report to make them aware I was a Id theft victim for XXXX  XXXX and XXXX XXXX  XXXX I mailed them a police report and I emailed them a police report there investigation failed to remove the id theft account from my credit report creating hardship for me obtaining credit my score was good before all this I have been fighting with credit bureaus for over 3 months to fix this and they are in violation of fcra for not removing the Id theft debt after I produced a police report for XXXX XXXX and XXXX XXXX accounts and inquiries on my credit report Im asking these agencies to please remove this permanently off my account so I can get on with my life XXXX XXXX was removed once before than added back XXXX failed to investigate and put a pending satus on my report instead of full removal and its been past 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I filed a claim with Truist over a fake/forged document that was used in a loan I was offered. The XXXX XXXX crook posed as someone from XXXX XXXX and deposited a fake cashiers check into my account for {$990.00}. Well, the XXXX XXXX at the bank would not at first even open a case when I reported this to them as fraudulent because they said it was " pending '' and needed to post to the account. After I raised more XXXX I got a case opened but then got charged an overdraft fee for something I reported as fraudulent! I can't the the XXXX at the XXXX bank to refund the overdraft fee ( s ) nor do a proper investigation into the matter. Before I could even return the affidavit I was sent they closed the case! I did get a letter from them confirming the cashiers check that was deposited was a fake - XXXX XXXXXXXX! I hate dealing with hard headed XXXX  XXXX people who do not give a XXXX about their customers when the customers are a victim of fraud. The case was closed on the basis of the transaction being authorized ; again, XXXX  XXXX! Of course I authorized it but I did not authorize getting XXXX  in the process!!

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 2022-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: WA

Complaint narrative:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

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 2022-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

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 2022-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I sent you a letter over a month ago ( XX/XX/2022 ) but the errors I requested for you to look into are still there like you're completely ignoring me, I am not even getting any response from you people. I was told by a lawyer that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2022-08-12 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: FL

Complaint narrative:
This is not my account I need this removed off my report immediately it's affecting me getting a mortgage and buying a new home

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 2022-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
I got an installment loan from affirm. The item was supposed to shipped in 2-3 weeks. At week 4 I cancelled the order and got a full refund. In that time I was charged {$180.00}. I have never been refunded the additional funds. The website makes it impossible to talk to a human. The automated system does nothing and there is no simple contact page to send an email or call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Recently, I noticed that my credit score dropped by XXXX points. ( XX/XX/XXXX ) I have had a score of over XXXX for 20 years. The reason given was that I was late on a payment for XXXX card. I disputed this with Experian, XXXX XXXX and XXXX. I sent a dispute request to all 3 companies. 

Today, XX/XX/XXXX I recieved an reply from Experian that my dispute was denied. However, they oncluded a report that under status reported " Paid, Closed/Never Late '' copy is below. 

I was hoping to buy a house, but those plans are on hold given the drop in my Credit Score. I believe that if the Credit Reporting companies should be required to notify someone in advance of dropping their score by XXXX points. Especially in light of the erroneous information. 
XXXX Good opens fico registered score tooltip XXXX XXXX/XXXX/XXXX Changein score by negative value Key factors affecting your score : What's helping No serious delinquency What's hurting Number of missed payments Your FICO Score compared to U.S. average by age : YOU ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your FICO Score History GraphScreen reader users switch to table view Table Graph Legend 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 Want to take a closer look at your credit information? For a free copy of your credit report, go to XXXX Opens in new window. 




Report Number XXXX Date Generated XX/XX/XXXX Before After Your information may have changed since XX/XX/XXXX Account info Account name XXXX CARD Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$25000.00} Highest balance {$6500.00} Terms NA Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments XXXX 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 non-monetary relief
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is not mines remove this immediately off my credit report is affecting me getting a morgage and getting a new home

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX has violated my rights. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Greetings, Wells Fargo Bank which I do not bank with and do not have any accounts with allowed XXXX XXXX XXXX to mobile deposit a check to there banking system with my name on it. This has cause a negative impact to my credit limiting me the ability to purchase another car and to apply for a home loan while sending my credit score dropping a minus XXXX points below. Wells Fargo 's was complicity while allowing XXXX XXXX XXXX to cash that check with my name on it fradulauntely.

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 2022-08-12 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: MD

Complaint narrative:
I have submitted several disputes with Experian to remove a XXXX XXXX account from my credit report. The account belongs to my ex spouse now so I'm no longer responsible for that account. I've submitted documentation to Experian from XXXX XXXX to prove this and they have failed to properly investigate and remove this item from my credit.

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 2022-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource Management , LLC has placed a collection account on my credit reports in the amount of {$340.00} that I do not owe them. I have never done any type of business with this company. 

I've never received services, any sum of money, or merchandise from Credence Resource Management , LLC so therefore I do not owe them any money. 

There is no legal contract that bears my wet ink signature or the wet ink signature of a representative that binds me to this company.

Company response to consumer: Closed with non-monetary relief