vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I made a transaction for {$790.00} which posted on the XXXX, however the merchant claimed they didn't receive payment and tried charging my account multiple times after. i reported the transaction and even did a 3 way call with the merchant and a representative from Sofi bank and the merchant told the sofi rep that they never received the funds. They later admitted that they did receive the original payment but only after they double charged me. 

At first I was told by a sofi rep that I would be getting a provisional credit if they can't complete the investigation within 10 business days, the 10 business days passed a long time ago but now sofi says it can take 90+ days to complete it's investigation and that this type of dispute doesn't qualify for a provisional credit. I requested an explanation and even quoted the EFTA and Regulation E sections on error resolution procedures and they completely ignored the request and replied by telling me it doesn't qualify. 

On XXXX XXXX the merchant charged me {$790.00} again using another form of payment because they said they still had not received payment for the XX/XX/XXXX transaction. The merchant 's support later admitted to double charging me as they apparently found the original payment. The merchant did not return the either of the charges. I sent copies of my communications with the merchant and the double payments to sofi but they still have not helped me resolve anything. I've been hung up on by supervisors after waiting on hold for over an hour just to speak with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: P&B Capital Group, LLC
State: LA

Complaint narrative:
P & B Capital Group LLC, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, Phone : XXXX Fax : XXXX, XXXX is repeatedly calling me and leaving voicemails about a debt I have no knowledge of and have disputed and requested proof for my email and letter. P & B Capital Group LLC progressed to calling my " references '' ( family members ) to get information about me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was approved for an opened a Chime Credit Builder account XXXX on XX/XX/XXXX. Shortly after I received notice that my last name did not match IRS records. I did my due diligence to complete the necessary forms per Chime request and send into the appropriate department. I was advised that everything was fine. Months later I attempted to request a new card for this account ending in XXXX. I was told that this account was closed, and I had PERSONALLY requested. I wrote to Chime and told them that this was a lie. Chime confirmed that I had in fact NOT requested this account to be closed but NO ONE could tell me why the account was closed. I call again for a XXXX time on XX/XX/XXXX where a nice rep assisted me to the best of his ability. He contacted an escalation team that literally looked at my account for 30 seconds and said, " it's impossible to re-open ''!!! This is a horrible way to do business. First you close my account without my permission. Then your " investigation '' team does ZERO investigation to assist me. I want my credit builder account to be re-opened and I DO NOT want to hear it is impossible to do!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
ON WEDNESDAY XX/XX/year> MY HUSBAND XXXX XXXX AND I WENT TO XXXX XXXX XXXX, XXXX AND I WERE TAKEN ON A XXXX  AUTO XXXX XXXX LOAN THROUGH CAPITAL ONE, THEN THE DEALERSHIP CALLS BACK, LIES, AND HAD TO COME UP THERE TO MAKE " THE PAPERWORK DISAPPEAR '' XXXX THE MANAGER HANDLED TOWARDS THE END. I WANT MY CREDIT SCORE RESTORED BACK, XXXX FALIED TO TELL US ABOUT A XXXX THAT WAS SERIOUS TO WHERE THEY HAD TO TAKE IT BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I reviewed my credit report on XX/XX/2024. Old information pass seven years ago are still appearing on my report and decreasing my score. I have contacted Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Ive never heard of this company that is reporting debt on my credit report. I do not have any signed documents with this company and never have received any documentation from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I filed a report with the XXXX  about the charges on my account for XXXX XXXX ( XXXX XXXX ) and the fake bond their employe created. It shows me signing a lease by electronic signature not ink. I was out of town, and I have the emails that I never signed the lease. I had a credit score in the XXXX and making over XXXX a month, I didn't need a cosigner nor a bond it was just to resign the lease they also filed the bond on the allegations that the apartment was destroyed, I see the one company has been moved the fee of XXXX I can provide a letter from their employee that signed my original lease that the apartment wasn't new nor where any of the fixtures. And a video from the private cleaning company that the apartment was clean and that nothing was destroyed I lived at XXXX XXXX XXXX XXXX not the other address that they showed in the pictures or the fake letter they sent to XXXX  that they wasn't allowing me to stay I just received this from the XXXX  they received a notice I can also attach how they try to destroy my rental history by saying i paid late and they tried to raise my rent {$900.00} in XX/XX/year> and she created the lease and I was out of town yet I was caught back up XXXX. These people at XXXX XXXX XXXX XXXX and XXXX XXXX have used my personal information to create a fake bond I have the email they sent to XXXX  for the lease XXXX name is on it and for the negative remarks which could have prevented me in finding a place they were not able to do that so they messed up my credit with fake charges, and withholding my mail after I moved out and keep stopping the mail from forwarding that went on for 4 months I have proof of this from the XXXX. I need this account with National Credit Systems for {$1000.00} for a bond that I destroyed their apartment I have a video that shows otherwise time stated and I had XXXX of insurance on the property I have proof of that as well and they never made a claim so it doesn't make since. This was added to my credit to defame me, I paid my rent on time and never made them wait I have proof of that as well from bank statements I need these fake allegations and charges removed from XXXX XXXX XXXX XXXX ( XXXX XXXX ). And NATIONAL CREDIT SYSTEMS removed asap. 


( LINK OF THE VIDEO OF THE APARTMENT SO ANYONE CAN VIEW IT WITH THIS LINK ) IT SHOWS NO DAMAGES https : XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: MA

Complaint narrative:
My chime card was stolen and used for {$5500.00}. i disputed it because it is unathorized. I do not have an account with XXXX  my account with them has been suspended since XXXX which they have confirmed. you are only allowed to make one account so that further proves i didnt make the transactions since they are all form this year. the merchant has confirmed this yet chime is still stating that no error occurred and that i would not be reimbursed. XXXX had confirmed that i had not deposited money with them since XXXX and that my account was terminated last year so i should not have been charged. If chime asked the merchant what name was the account under using my name they would have clear evidence that i did not make or authorize these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
FCRA 605B mandates the removal of any incorrect accounts from my credit report. These accounts contain inaccuracies in their reporting. Compensation of {$1000.00} per erroneous entry in my credit file is stipulated.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: FL

Complaint narrative:
Fraudulent account never authorized. 
I am trying to pre-qualify for the purchase of a home, and according to the law, there shouldnt be any defamation of character on my credit report or inaccuracies. This account is fraudulent, not mine, and is damaging my reputation as a consumer, which is enforceable by 15 USC and 1681g. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, except as otherwise provided in this section, a consumer reporting agency should block the reported information in the file of the consumer that the consumer identifies that the information that resulted from identity theft, not later then 4 business days after the date of the receipt of such agency of ( 1 ) appropriate proof of the identity of the consumer ( 2 ) a copy of the identity theft report ( 3 ) the identification by such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transactions by the consumer. 

I have attached relevant documents pursuant to the above section of the law. I DEMAND all fraudulent INQUIRIES DELETED immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Trident Asset Management, L.L.C.
State: MS

Complaint narrative:
On XXXX XXXX  I noted a late payment from XXXX XXXX XXXX on my credit report. I'd reached out to them to update this information a month ago. On XXXX XXXX  Trident Asset Management company and XXXX XXXX XXXX XXXX to utilize inaccurate information form another party without my consent ( fraudently ) to report to credit bureaus that's affecting my credit and personal character negatively which is not allowed by law. I never signed an agreement with this company. i do not owe any debts to the said company. I have not given permission to share my private information with a third party which has been utilized in a negative way to damage my character. This information has affected my ability to acquire business funding, better employment opportunities, and ability to purchase/ obtain housing. 

In accordance with the FRCA, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Any negative information is declamation to my personal character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
They have reported inaccurate information regarding my credit report resulting in a negative effect on my credit score and payment history.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
They have reported inaccurate information regarding my credit report resulting in a negative effect on my credit score and payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
According to FCRA 605B, we must eliminate any erroneous accounts from my credit report. These accounts are inaccurately reported. Compensation of {$1000.00} is due for each incorrect entry on my credit file.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It's a point of pride for me that I consistently pay my bills on time. Yet, it's concerning that this company sometimes marks me as late in certain months, which is inconsistent with my record. USC 1666b mandates that any billing discrepancies should be promptly corrected and updated to show payment as agreed.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with non-monetary relief