vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
On or about around XX/XX/2023 through XX/XX/XXXX of 2023 I had my federal tax return deposit into my newly open Chime account expecting to receive my funds. On XX/XX/XXXX of 2023 at XXXX XXXX was in an accident on interstate XXXX XXXX Alabama I was rushed to XXXX XXXX and due to injuries when I was discharged on or around XX/XX/2023. I went to log into my Chime account on my laptop to see that my funds were deposited into my account, but there was 98 unauthorized transactions. I reached out to Chime to dispute the transactions. They denied my claim, claiming no ever found. I did a rebottle dispute still to come to the same conclusions I sent over hospital discharge report a police report and a signed statement from an officer, stating that I did not authorize transactions and I was hospitalized at the time with this being said, I was supposed to receive a provisional credit on XX/XX/XXXX of 2023 only to be told again no error found. I am on my third we rebuttal with this company with no relief in sight. Something needs to be done I did not, have my ID nor my wallet or phone which was reported stolen in the police report and hospital discharge report it also states I was brought in, with none of the above, so for this company to keep stating that they see no error is beyond me only thing I would like is my money to be placed back into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent the consumer reporting agencies a letter asking them to investigate late payments on my XXXX XXXX account due to the incorrect, incomplete and inaccurate reporting. The agencies removed the inaccurate reporting and place a new late payment on my account. At the same time the new late payment was placed on the account the decrease also decreased. Its blatant that the account can not decrease in payment and also be late at the same time. Attached is the proof of this false information. There is also lots of increase to my balance throughout the months and I sent a letter of investigation regarding is this acceptable per the federal government, FCRA, TILA, FDCPA because this entire account has been full of inaccuracies and violations. Please remove this late payment as it is detrimental to my health and livelihood.

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 2023-04-10 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: MD

Complaint narrative:
I sent the consumer reporting agencies a letter asking them to investigate late payments on my XXXX XXXX account due to the incorrect, incomplete and inaccurate reporting. The agencies removed the inaccurate reporting and place a new late payment on my account. At the same time the new late payment was placed on the account the decrease also decreased. Its blatant that the account can not decrease in payment and also be late at the same time. Attached is the proof of this false information. There is also lots of increase to my balance throughout the months and I sent a letter of investigation regarding is this acceptable per the federal government, FCRA, TILA, FDCPA because this entire account has been full of inaccuracies and violations. Please remove this late payment as it is detrimental to my health and livelihood.

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 2023-04-10 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: CA

Complaint narrative:
The credit reporting company did NOT investigate the disputed matter against XXXX XXXX XXXX XXXX. Had a proper investigation taking place the credit reporting company would have discovered that this debt was apart of a bankruptcy in XXXX and XXXX XXXX XXXX obtained the debt after XXXX  court on XX/XX/XXXXXXXX On my Experian and XXXX credit report, the date of the debt is incorrect and allows the company to report the debt longer than legally allowed. Additionally, this debt was from a homeowners association ( XXXX XXXX XXXX  ) that was paid in full when the home sold in foreclosure in XX/XX/XXXX. The home was sold and the debt was transferred before they realised the sale and record deed in XXXX XXXX XXXX. This XXXX XXXX XXXX XXXX WAS APART OF A FORECLOSURE. This is easy information to obtain had the Experian and XXXX ACTUALLY investigated the matter, which they did not.

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 2023-04-10 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: GA

Complaint narrative:
Date of Inquiry ; XX/XX/2021 Company : XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX Request Originator is fraudulent activity and I have already contacted all 3 credit bureaus and reported this fraudulent activity that was not authorized by me or attached to any open account. I am contacting you guys to have this fraudulent inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: TX

Complaint narrative:
Im accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : 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 non-monetary relief
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
This debt is about XXXX years old ; XXXX XXXX has given the debt to another company, Brock and Scott. Brock and Scott took a payment from me, saying they could settle the debt. XXXX XXXX refused and said they wanted the total amount ; when I asked for proof of said debt, I was given the runaround, and mind you, I have two obligations with XXXX XXXX, and they will provide nothing. Brock and Scott reached out about XXXX weeks ago, saying XXXX XXXX agreed to the settlement. I contacted XXXX XXXX, and one rep stated, No, we do not agree and will not settle. The other said, We agreed to the settlement but didn't know the terms. she put me on hold and transferred me to another lady who said the same but gave the amount of XXXX. XXXX XXXX took money out of my bank account and honored some of the refunds I disputed. XXXX XXXX went on to close a credit card with a deposit of XXXX and has all but refused to explain where that money went. They have already sued me and continue to cause emotional stress, at this point nobody is on the same page and we have mediation tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: CA

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2023-04-10 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: FIRST NATIONAL BANK OF OMAHA
State: IN

Complaint narrative:
XX/XX/XXXX XXXX, XXXX, XXXX  As part of a scam on me, I was told to purchase gift cards at this store-as I was purchasing " secured funds '' to replenish my bank checking and savings account that hackers from XXXX XXXX sites ( XXXX and XXXX ) had sent through a withdrawal or {$11000.00}. 
This person-XXXX-said he was from the fraud dept at my bank and was authorized to work with me on getting my money back by using my available credit on my credit card. 
On XXXX, XX/XX/XXXX, I went to XXXX and purchased the gift cards as he directed. 
{$7500.00} was authorized by FNBO, but {$7000.00} was denied. 
I called FNBO on XX/XX/XXXX to let them know of the fraud/scam and they said they would investigate. I called again last week to find out what was going on and the gentleman said because I purchased the gift cards, FNBO couldn't honor the claim and on XXXX, XX/XX/XXXX received a letter affirming the same. This morning ( XX/XX/XXXX ), I spoke to a fraud rep and again exressed my concerns about this matter and had filed a police report, a report with the FBI, and my other credit cards used in this scam, honored my fraud claims. I was not offered an appeal, paperwork to support the incident. FNBO does not offer the appeal as a matter of their policy.

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 2023-04-10 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: NY

Complaint narrative:
TRANSUNION has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) TRANSUNION failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q

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 2023-04-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
XXXX. Paypal holds money randomly for no apparent reason and is misrepresenting my credit situation which is worrying me that it will affect my credit that I have been working hard at rebuilding. 
XXXX. I was stuck in another state when my sister sent me money ( {$150.00} ) through Paypal. For no apparent reason, and she has sent me money before through XXXX, when they held it, stating that it would not be available for like 72 hours. I had to sleep in my car as I was stranded in another state ; and, despite numerous communications, Customer Service did not help me, telling me to stay near my phone. Mind you, that was becoming uncharged from me sleeping in my car. 
XXXX. I have been using Paypal 's Pay in 4 option for some time ; and, all of a sudden, it is no longer available to me. That is not the issue though. Paypal sent me several decisions, indicating that fraudulent activity is tied to my Pay in 4 and that I have late/NSF payments XXXX All of which is false. I have no fraudulent activity tied to my account and I pay my payments EARLY always. These misreprentations ( and, outright lies ) can affect my credit. 
XXXX. I call Customer Service and all I get is that it is an automated process ... Their response from a manual or something, and they never correct the errors, only telling me that there are no restrictions on my account or problems with my account. However, they send decisions with totally FALSE information. 
XXXX. Customer Service does not have a good handle on the english language, and does not understand what is being said to them. 
XXXX. It is interesting that Paypal always finds a way to get their fees. They do not put " holds '' or ask for extra documentation when it comes to them getting their fees. I But, put " holds '' on my money, ask for extra documentation, and give decisions with INACCURATE INFORMATION. 
XXXX. I have looked on the Paypal forums and this seems to be Paypal 's standard practice. Their is clearly some sort of computer " glitch '' XXXX n addition, they advise they do not have access to the decisions, which is very odd. I have repeatedly forwarded them to them though. 
XXXX.They let false invoices get sent to me routinely that I always forward to their phishig department, but for ones I generate that are real give me issues and when it is my money give me issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I happen to check out what was going on with my credit report. I noticed an inquiry, that does not belong to me. Please remove this from my credit report immediately as this is poor judgment with on my credit worthiness. 

XXXX XXXX XXXX Acct # XXXX Balance {$15000.00} XXXX XXXX XXXX Acct # XXXX Balance {$2400.00} XXXX XXXX XXXXXXXX Account # XXXX Balance {$1500.00}

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 explanation
Consumer complaint received 2023-04-10 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
IN XXXX OF XXXX I called up because of some fraudulent activity on my card and found out that they were having issues due to an updated that effected about 1/3 of their members. 

It took months for them to resolve the issue with the fraudlent activity at which time I apparently over paid and was not informed of such until months later as my statements were messed up for months and after my payment my statements were showing XXXX and were until you lost your contract with XXXX. 

In XX/XX/XXXX you removed yourself from my credit report after I asked for you to correct my credit score because of you miss communicating with the credit bureaus because they were also showing incorrect information on what I owed for months since you had no idea. 

As you can see from the attachment this dropped my credit score it also dropped my available which increased my usage percentage. 

This has been a real nightmare and I have already filed one complain on here and they said not their account which is true now but when all the issues happened it was and you need to fix it. 

After my card was compromised in XX/XX/XXXX I never received a replacement card when they lost the account in XX/XX/XXXX. 

The statements in Black and white were obtained by XXXX XXXX from what they obtained from Comenity. The Colored statement is like pervious ones I had received from Comenity not what I received from XXXX XXXX those were completly news to me as I had never seen them before. 

Also Comenity said with the issue with my account I would not be charged interest because they could not take off the fraudulent charges and give me an accurate amount to pay then when they said they figured it out apparently they had not and I did not know or was informed until I was sent a refund check months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: NY

Complaint narrative:
I have been going back and forth with self.inc about my pay out but they keep trying too tell me I need too give more bank statements too get my pay out but I already provide my most recent bank statement ( just like there email says ) valid id, ssn, and a picture of my holding up my id which the law does say for me too properly id myself I need too give too forms of id which I have already done but they still tell me I have too do more

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: CA

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: CA

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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