vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i did not authorize any of these hard inquires so i would like these to be investigated asap and removed please. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
My account was hacked, an unauthorized user got in and changed the phone number and password at roughly XXXX XXXX in the morning. They then transferred all of my funds into a different Chime account. I do not know any of the other parties involved, this was done without my knowledge and 100 % without my authorization. I contacted Chime the next morning the moment I saw what happened and filed a dispute. After XXXX days I received an email saying there was " no error ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
**Affidavit of truth ** XXXX shared my PRIVATE CONSUMER INFORMATION WITH A 3rd PARTY COLLECTION COMPANY WITHOUT MY SIGNED AUTHORIZATION OR CONSENT. ALL PAYMENT HISTORY AND TRANSACTIONS SHALL all be EXLCUDED from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). Im demandin that you delete these UNAUTHORIZED Transactions from ma CONSUMER REPORT immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. Cease and desist all attempts to collect and all involvement with XXXX XXXX XXXX XXXX. 

Under penalty of perjury ; XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
On XX/XX/2020, I paid off my federal loan balance of ~ {$75000.00} through a loan with XXXX XXXX XXXX. Following the announcement of the student debt relief plan, as I was a XXXX XXXX Recipient making below {$120000.00}, I attempted to reach my Servicer - FedLoans Servicing PHEAA- to request a {$20000.00} refund, but learned that they had closed down and thus could not provide a refund. Because my loan balance was {$0.00} at the time the shutdown, my account did not get transferred to another servicer and I have no way of requesting or receiving the refund I am due according to the relief plan. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am having an issue opening up a checking and savings account with Truist Financial. Truist Financial is refusing to open up any accounts for me due to a previous bankruptcy on my XXXX XXXX, XXXX, and XXXX credit report. Truist Financial is discriminating against me based on a previous bankruptcy, based on my race, and income. Truist Financial is in complete violation of the Equal Credit Opportunity Act ( XXXX ) under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, 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 2022-12-19 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had 3 credit cards opened in my name that I did not know of, this is affecting my credit report because it is incorrect information that is being used. 

XXXX XXXX  XXXX - XXXX - XXXXXXXX XXXX XXXXXXXX - XXXX XXXX - XXXX Someone bought a car under my name and there was lots of inquiries under my credit report now I have invalid debt on my report showing XX/XX/20XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
1.I have never had an account with this company WELLS FARGO , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WELLS FARGO the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

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 2022-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXX Original creditor : XXXX XXXX XXXX Account : XXXX This letter is in response to your recent claim that the account ( s ) listed above have been verified and that the information they are reporting under my name is accurate. This is not my account.

I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation, including person names you have contacted, addresses and the method you used to verify it, or remove the negative information.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 


Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2022-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On multiple occasions spanning from XX/XX/2022 to XX/XX/2022 I submitted evidence and requested a refund from Cash App aka Square Inc. for ( 2 ) {$1200.00} disputed online transactions that I never received the product or service for. Cash App denied my dispute on XXXX XXXX and XXXX based on the reason that no error occurred which was not the type of dispute that I filed. I refiled the disputes and submitted the same evidence and Cash App is still saying no error occurred to a Consumer that didn't get the product and/or services that was paid for. 
Dear : Cash App I am contacting you demanding a refund of [ {$2500.00} ] for ( 2 ) disputed transactions that I have not received the product or service for from a merchant XXXX XXXX XXXX ) that you have on your platform. I am attempting to resolve this out of court, but if I can not come to an agreement of getting refunded, I intend to sue. 
Here is a statement of my case that I intend to submit to the court : I entered into an agreement on XX/XX/2022 and XX/XX/2022 with XXXX XXXX XXXX XXXX  aka XXXX XXXX  that stated they would provide a XXXX XXXX XXXX offer that would include XXXX. XXXX. The agreement stated Church On XXXX XXXX aka XXXX XXXX  would have these properties by XX/XX/2022. XXXX XXXX XXXX XXXXXXXX aka XXXX XXXX  have not provided any XXXX. XXXX or mentions XXXX. XXXX at all anymore. As per the terms of the agreement I paid XXXX XXXX XXXX XXXX  aka XXXX XXXX  which billed me as XXXX XXXX through Cash App {$1200.00} x ( 2 ) in advance so they could supply my XXXX XXXX XXXX. XXXX. I am now demanding {$2500.00} from XXXXXXXX XXXX XXXX  XXXX aka XXXX XXXX  for breaking our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I actually messaged them and asked very nicely to close my account. And to use the secured portion of the deposit to pay the bill. After I asked them I forgotten about it. Well it seems that they took it o themselves to keep it open and before I realized that it was still open they had already had 5 or 6 late XXXX XXXX or more days late. I had to message and ask if they would remove the late marks as I felt it was their fault and they refused. They have caused me great distress and a bad XXXX as I have worked really hard to get my score up to XXXX at that point and score prolly dropped XXXX points.. They deliberately done that to cause me to be depressed. They prob are laughing now 15 USC 1681a I states report containing information solely as to transactions or experiences between the consumer and the person making the report ; The consumer can not sue the issuer unless the consumer writes a dispute letter to the credit reporting agency first,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX has wrongful information about my account XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX has wrongful information about my account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: NC

Complaint narrative:
I asked Transunion to verify that the Bankruptcy was accurate and how and whom did the verification, the sent me a letter saying it was verified and accurate. They never stated the method of verification which I asked them to supply. I never gave them permission to report anything g on my credit file. I also sent a letter from the bankruptcy court stating they do not report to the credit agency you. a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
The banks ATM took my cash shut the door with my money still stuck some of the bills were sticking out of the machine. I tried to get the bank to send out a rep immediately they then took several days to check the ATM. They got ahold of The company or other bank XXXX XXXX to do an audit but claim I was the last one to use it but how many people could have taken that money sticking out is untold. They gave me the money I told them it took and that if they counted less then I would be responsible for the difference. That difference was much more than what I deposited. They never offered to pay late fees as a result of them holding my money over XXXX before I had access to the funds.

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 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX I received an email from Bank of America that an account had been opened in my name. I did not open any accounts. I tried to contact someone from Bank of America but they were unable to help. On XX/XX/XXXX I received an additional email from Bank of America about the addition of a new XXXX contact. And also on XX/XX/XXXX an email from Bank of America about suspicious debit card activity. I spent hours on the phone just to find out that a fraudulent account had been opened using my SSN.

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 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I send a commission check to my XXXX XXXX XXXX but the check was returned by fifth third bank due to non sufficient fund on XX/XX/2022. Therefore, my realtor notified me and asked me to send another cashier check, which i did on XX/XX/2022. 

However, i noted my first check was cashed by XXXX on XX/XX/2022, in addition, {$25.00} fee is also posted to my checking account. I called XXXX and my realtor, XXXX mentioned that fifth third bank send them to collect the return check. But my realtor was not aware of this, which is the reason to ask me to send another check. 

The issue is when i asked for the refund of {$25.00} XXXX XXXX XXXXXXXX and fifth third bank won't discuss with me as i am not their client, even though the money was deducted from my checking account. 

I am filing the complaint for the issues below : XXXX. During XXXX firth third announced to eliminate the XXXX starting from XX/XX/2022. However, i was still charged for the fee through a XXXX party ( below is their announcement on the website ). 

Fifth Third Bank , National Association, announced that effective XX/XX/XXXX it will eliminate non-sufficient fund ( XXXX ) fees for all consumer accounts. Fifth Thirds elimination of all XXXX fees is the Banks most recent step to reduce punitive fees and focus on the best outcomes for customers. 

2. Neither my realtor ( client of fifth third bank ) or me ( the issuer of the check ) was informed that the returned check was sent to a XXXX-party collector with fee included. Therefore, I had to purchase a cashier check per my realtor 's request. 

Therefore, I would like to be refunded for the {$25.00} NSF fee and compensated for the cost and time to get the replacement check for my realtor, as neither of us knows the first check will be cleared and collected. 

Thanks! 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
On XX/XX/XXXX received a phone call from XXXX XXXX ( First Horizon Bank- XXXX, stating she was placing a temporary hold on XXXX XXXX banking account. 
On XX/XX/XXXX XXXX XXXX gave authorization to XXXX XXXX and XXXX XXXX XXXX of Attorney. All paperwork has been notarized and and registered with XXXX XXXX offices. 
On XX/XX/XXXX told by XXXX XXXX that a letter from the doctors office would need to be submitted which was submitted on XX/XX/XXXX. 

XX/XX/XXXX told by XXXX XXXX that we would need to get an attorney because she and First Horizon Bank determined XXXX XXXX was not in her right frame of mind when she gave a the above power of attorney. Due to XXXX XXXX and First Horizon not allowing us to make decisions on the account XXXX XXXX has been scammed approximately {$15000.00}. 
The bank is a financial institution and not medical and should not be able to make decisions of ones mental status. XXXX XXXX informed us that we will need to get an attorney. However in the mean time the bank account is still open and risk the possibility of more money will be taken out of her account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received 2 emails today stating account information credentials for truist bank which I have never been to or used etc. it notified me I had opened a savings and checking account under my name at XXXX this morning when I was waking up for work. Every time I try to call any number for the bank it asks for my social security or card number which Im not going to disclose, theres no option to speak to anyone. Im broke as can be, theres no way Im opening any other accounts etc, Ive been working my butt off day and night to close credit cards and former 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 2022-12-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX This letter is in response to your recent claim that the account ( s ) listed above have been verified and that the information they are reporting under my name is accurate. 

I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation, including person names you have contacted, addresses and the method you used to verify it, or remove the negative information. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation