vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: TX

Complaint narrative:
I, XXXX XXXX XXXX, first contacted XXXXXXXX XXXX approximately on or about XXXX XXXXPrior about an error on my credit report regarding an Auto loan. Despite repeated attempts, I have been unable to get them to rectify the situation. As a result, my credit score has been adversely affected. I did not give XXXX XXXX permission to run a credit check. I have not authorized this organization to access my credit report. This is a definite violation of my privacy rights. 

Additionally, I do not have an account with XXXX XXXX. XXXX alleged that I owe ( {$8400.00} ) That account does not belong to me. XXXX XXXX 's failure to provide original documents of the agreement in question has called the validity of the agreement into questionable. I tried to dispute it with ALL three credit bureaus, but I wasn't successful. This caused many delays towards my future endeavors regarding the future of my credit score. 

Three Credit Bureaus : XXXX XXXX XXXX ( Letter was sent three times ) No results XXXX XXXX XXXX ( Letter was sent three times ) No results Experian ( Letter was sent three times ) No results Collection of Debt XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX, TX 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 2022-07-08 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: VA

Complaint narrative:
This unconfirmed account listed below continues to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and TransUnion Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX : {$0.00}

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 2022-07-08 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: VA

Complaint narrative:
It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX XXXXXXXX {$20000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$380.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX CT XXXX XXXX XXXX XXXX, VA 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 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/2022 an unauthorized transaction was charged to my account. I filed a dispute, and within hours Chime denied my dispute stating they see no error in the transaction. I requested documentation they used to determine their decision. They sent me screenshots of questions I answered regarding my dispute, but nothing showing what information confirmed I made the purchase. I requested to reopen my case. Chime stated I would need different back up to reopen my case. I reached out to the merchant, XXXX, and explained my situation. They confirmed with me that they showed no purchases made by me, and that Chime has not reached out to them. They provided me with a case number and advised me to give it to Chime so they can confirm I did not authorize any transactions. I gave the information to Chime and within hours they rejected my dispute claiming I did not provide different back up to support my claim. I reached out to Chime via phone and was told the same thing. The information I provided was not different and they would not continue forward with my dispute. I asked why no one at Chime is reaching out to XXXX. I explained that I'd spoken to them, and they confirmed it's an unauthorized transaction, and that they're waiting for Chime to reach out to them so they can provide Chime with this information. I was told all he could do was add these details to the notes on my account because I have not provided Chime with different back up for my dispute. I reached back out to XXXX. They again stated no one from Chime has contacted them. I received transcript stating no purchases by me show in their system. I reached out again and received transcript verifying the exact dollar amount and that nothing for that amount has ever been made by my. I gave this information to Chime and within a few hours they again denied my dispute. And stated I did not provide any different information. I called again and asked to speak to whoever handles disputes. I was told I can't speak to them because they are only reachable by email. I asked Chime to please reach out to XXXX so they can confirm the charge was not authorized by me but they continue to close my case without researching the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: VA

Complaint narrative:
It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXXXXXX {$20000.00} ; XXXX XXXX CO XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$380.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, VA 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 2022-07-08 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: VA

Complaint narrative:
It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$250.00} ; XXXX XXXX XXXXXXXX {$20000.00} ; XXXX XXXXXXXX XXXX  XXXX XXXX : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} ; CXXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: MD

Complaint narrative:
XXXX XXXXXXXX Account Number XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

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 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 2022-07-08 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: GA

Complaint narrative:
The items listed below are reporting on my personal credit file and were found in my reports with Experian credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$670.00} ; XXXX XXXX XXXX Owed : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/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 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 XXXXXXXX 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 2022-07-08 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: OR

Complaint narrative:
Experian refuses to do a proper investigation about an erroneously reporting account on my consumer report, and they will not remove this account even though it is clearly reporting inaccurate information. I have disputed this account on or about XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After each dispute, they just changed some alleged late payment dates around, and changed the Closing Date on the account. Literately, they changed this account 5 times, and after each time, they claimed it was accurate. I even asked for their " method of verification, '' as is my right according to the FCRA, but they basically ignored my request, and just responded with the generic " This account has been verified as accurate '' response they always give. Also, In regards to another erroneously reporting account I filed complaints against them for, they refused to remove the previous accounts as well, and have the unmitigated audacity, to respond with a lecture about using, " credit repair services ''. Yes, they actually said that Credit Repair services can not do anything for me that I can not do for my self! Basically implying that I am not the person sending these disputes, and this complaint as well of my own accord. These consumer reporting agencies are out of control. This account in question, needs to me removed, immediately. These errors are costing me money, lowering my credit score, and Experian could care less.

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 2022-07-08 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: AP

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights.

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 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 2022-07-08 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: MD

Complaint narrative:
XXXX XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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 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 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I opened a checking account with CHIME in XXXX XXXX also requested direct deposit so that my social security check would be deposited. 
SS told me it could take up to 2 months for this to begin. I received a loan in XXXX from XXXX in the amt of {$2000.00} which I deposited into my Chime checking. After spending money I recieved a call from chime stating they needed his credentials as they were concerned of my spending habit and asked me to identify myself and the info I provided was incorrect and after several unsuccessful attempts I was advised that unless I provided my credentials info correctly, they would close my acct. Then in XXXX they closed my account, then my first social security check was returned. Since that day I have repeatedly requested my money refund and I keep getting the same form letter from all sont at least 10rts of people they claim to be from member services and i keep getting emails that ask for selfie pic, holding up my ID and ast 4 digits of my SS # I have sent them so many of their requested documents then they request them in XXXX form. So I sent them in that form. Ive had them tell me they were going to call on XXXX different occasions. Ive tried calling on several occassions, only to get no person, i have begged and begged, im so frustrated because i am on social security XXXX and deperately need my money. I gave them an address change with proof but nothing is being accepted. I requested a manager to no avail. They claim to have sent a check in XXXX that was returned. Im just at my wits end. Please help me resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: MD

Complaint narrative:
The credit bureau is reporting inaccuracy on my report I asked them to do a thorough investigation and they did. But I also did a thorough investigation and found several inaccuracies on my report. 

XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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 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 2022-07-08 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: TX

Complaint narrative:
I, XXXX XXXX XXXX, first contacted XXXX XXXX approximately on or about XXXX XXXX about an error on my credit report regarding an Auto loan. Despite repeated attempts, I have been unable to get them to rectify the situation. As a result, my credit score has been adversely affected. I did not give XXXX XXXX permission to run a credit check. I have not authorized this organization to access my credit report. This is a definite violation of my privacy rights. 

Additionally, I do not have an account with XXXX XXXX. XXXX alleged that I owe ( {$8400.00} ) That account does not belong to me. XXXX XXXX 's failure to provide original documents of the agreement in question has called the validity of the agreement into questionable. I tried to dispute it with ALL three credit bureaus, but I wasn't successful. This caused many delays towards my future endeavors regarding the future of my credit score. 

Three Credit Bureaus : XXXX XXXX XXXX ( Letter was sent three times ) No results TransUnion Consumer Solutions ( Letter was sent three times ) No results XXXX ( Letter was sent XXXX times ) No results XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX, TX 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 2022-07-08 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, XXXX XXXX XXXX, first contacted XXXX XXXX approximately on or about XXXX XXXX about an error on my credit report regarding an Auto loan. Despite repeated attempts, I have been unable to get them to rectify the situation. As a result, my credit score has been adversely affected. I did not give XXXX XXXX permission to run a credit check. I have not authorized this organization to access my credit report. This is a definite violation of my privacy rights. 

Additionally, I do not have an account with XXXX XXXX. XXXX alleged that I owe ( {$8400.00} ) That account does not belong to me. XXXX XXXX 's failure to provide original documents of the agreement in question has called the validity of the agreement into questionable. I tried to dispute it with ALL three credit bureaus, but I wasn't successful. This caused many delays towards my future endeavors regarding the future of my credit score. 

Three Credit Bureaus : Equifax Information Services ( Letter was sent three times ) No results XXXX XXXX XXXX ( Letter was sent three times ) No results XXXX ( Letter was sent three times ) No results XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: AP

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

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 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