vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
I " lost '' both of my Chime debit cards and my ID on the weekend of XXXX. Come to find out the debit card associated with the " credit '' account ( really, its just my funds ) and I.D . that I thought I had lost XXXX were recently found in my 15 month old 's toy box. I had requested a new debit card from Chime on my " checking account '' and went to the Ohio XXXX for a new license. In the meantime, I issued myself a check from my checking account, knowing that it would come first and I could go cash it. I have history in banking and credit. I am a low income Mom for the first time in my life at XXXX XXXX XXXX, with no support. I just needed access to my {$260.00}. I received the check in the mail and went to cash it on XX/XX/XXXX. XXXX wouldn't even cash it. That's pitiful. So I redeposited it on XX/XX/XXXX, into my checking account. I called on that date and requested the funds be made available because it's a check from me, to me on the same account, and issued from their bank. They played phone tag and just transferred between each other before I finally gave up. Today, XX/XX/XXXX at XXXX XXXX. I received an email saying the check has been cashed. It's XXXX XXXX. and the funds still haven't been placed in the account. I understand they are affiliated with a larger bank. As an affiliation, that check being cashed by should be issued to the Chime receiving account at that moment. Why is this legal? Why is Chime getting away with holding funds? Especially when it was a check that I issued myself to myself, that no one wishes to cash. Obviously, it's a larger issue. I will be closing my accounts and returning to a physical bank. I have nothing holding me back from having an account with anyone and I've learned my lesson. Their data processing department should be able to see the check and deposit it. Ive working in those departments in banking and in prescriptions through pharmacies. It makes no sense to me. Chime is a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: EQUIFAX, INC.
State: DE

Complaint narrative:
See the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My identity was stolen and used to purchase XXXX vehicles. I have filed a police report, FTC Identity theft report. I have reached out several times to Bank of America and XXXX XXXX XXXX with this prof. Since this loans were placed under my name in 2019. I was told they were deleted off of my credit. Now they are showing up on my credit again. I sent my documents to Bank of America, XXXX XXXX XXXX and the credit bureaus again and the credit bureaus told me they placed it back on my credit and they can no longer help me.! then when i called B of A and XXXX XXXX credit they said because i cant verify my fraud identity info they wont talk to me!!!!!!!!!!! This should be criminal and illegal. I am preparing a civil lawsuit with all of my XXXX plus dispute claims police reports FTC reports.

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 2023-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I was given, what I believe was, a predatory auto loan by XXXX XXXX in early XXXX while on XXXX XXXX. When I was XXXX from the Navy early, I let Navy Federal know that I was as unemployed. I was unaware of my rights in XXXX. I defaulted on the loan and my last communication with Navy Federal about this loan was in XXXX. The car was repossessed in XXXX. While on unemployment in the summer of XXXX, I asked my sister to cash an unemployment check against her Navy Federal checking account on base at XXXX XXXX in XXXX XXXX. I was approached by the manager to discuss the loan, to which I said I didnt wish to do so. She refused to release my check and I had to call base pd for help. I was unaware that this wasnt something they were allowed to do but this is the last contact I had with Navy Federal about the auto loan. On XX/XX/XXXX and XX/XX/XXXX I received calls from someone stating that they had information to give me about a civil lawsuit being brought against me. I called the number on XX/XX/XXXX and was told by a representative that Navy Federal is in the process of filing a civil claims suit against. I said that I did not wish to discuss this with the representative and that they are not allowed to harass me and claim suit for a loan this hold. The representative said I was wrong and disconnected the call. I believe that this threatening behavior goes against my rights as a consumer as their window to file a civil claim has passed ( the loan originated in California and the last conversation about the loan was XXXX. I have lived in Nevada since XXXX but have not had any sort of conversation with Navy Federal during this time ). I have had decades of harassment from Navy Federal and would like this addressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$120.00} CXXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX CORSA XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$120.00} XXXXXXXX XXXX Balance : {$2.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$880.00}.

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 2023-08-19 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: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1300.00XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$120.00} XXXX XXXX XXXX : {$2.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$880.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 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:
To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX ACCT # XXXX XXXX ACCT XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ACCT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deleted late payments to the referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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 2023-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX : {$460.00}

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 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-08-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX .... Balance : - XXXXXXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX .... Balance : {$530.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXXXXXX .... Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX XXXX. Balance : {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Synchrony bank stating still owe on account despite reaching settlement terms and paying installment to them 5 months after the fact. When trying to log in to my Synchrony account to prove terms no information shows. I've requested multiple times said debt and noted agreement and am only told they'll be sending me a letter, but only send email.

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 2023-08-19 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: FORD MOTOR CREDIT CO.
State: NV

Complaint narrative:
My identity was stolen and used to purchase 3 vehicles. I have filed a police report, FTC Identity theft report. I have reached out several times to XXXX XXXX XXXXXXXX and Ford Motor Credit with this prof. Since this loans were placed under my name in XX/XX/2019. I was told they were deleted off of my credit. Now they are showing up on my credit again. I sent my documents to XXXX XXXX XXXXXXXX, Ford Motor Credit and the credit bureaus again and the credit bureaus told me they placed it back on my credit and they can no longer help me.! then when i called XXXX XXXX XXXX  and ford motor credit they said because i cant verify my fraud identity info they wont talk to me!!!!!!!!!!! This should be criminal and illegal. I am preparing a civil lawsuit with all of my 10 plus dispute claims police reports FTC reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My identity was stolen and used to purchase 3 vehicles. I have filed a police report, FTC Identity theft report. I have reached out several times to XXXX XXXX XXXX and XXXX XXXX XXXX with this prof. Since this loans were placed under my name in XX/XX/2019. I was told they were deleted off of my credit. Now they are showing up on my credit again. I sent my documents to XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and the credit bureaus again and the credit bureaus told me they placed it back on my credit and they can no longer help me.! then when i called XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX  they said because i cant verify my fraud identity info they wont talk to me!!!!!!!!!!! This should be criminal and illegal. I am preparing a civil lawsuit with all of my 10 plus dispute claims police reports FTC reports.

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 2023-08-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally submitting my CFPB complaint for the removal of fraudulent items in my credit file. I am not satisfied of my previous report as I found out. The fraudulent items listed still remain on my credit report in violation of Federal Law. The credit bureaus failed to comply with within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Based on my FCRA Section 605b, the credit bureaus are obliged to remove such fraudulent information in my credit file. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. The following items should be remove right away : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Balance : $ XXXX XXXX XXXX  ( XXXX XXXX ) XXXX Balance : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/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 ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I noticed fraudulent accounts 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 2023-08-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I noticed fraudulent accounts on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$440.00}

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 2023-08-19 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I noticed fraudulent accounts 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 explanation