vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
Hello, I am having an issue again with Chime Bank with Banking Services through The XXXX. My account was frozen on XX/XX/XXXX. I received an email on ways to unfreeze my account. I followed the steps by submitting my drivers license, an electric bill and my W2 statements showing the amount that they are asking about. I have contacted the bank 5 times trying to see if they have reversed it but they are still saying that i have not provided enough information. I need my account unfrozen so that i can transfer my money out of this account and to close it. I have had nothing but issues since XX/XX/XXXX with Chime and I believe that not having a physical branch to walk into or calling to confirm identify is preventing from me having a good bank experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: DC

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 non-monetary relief
Consumer complaint received 2023-01-27 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: AR

Complaint narrative:
As much I appreciate the deletion of some of the disputed acccounts and information that resulted due to identity theft, I am disappointed to see that there are still items left on my Credit File. I am submitting this CFPB Complaint to request that you remove the remaining accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I was a victim of identity theft and the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Under the Fair Credit reporting Act section 605b, I an requesting the deletion of the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$4400.00}. If you found any documentation claiming that the disputed accounts belong to me, I will have to to ask you to send me copies of such documents. If you are unable to provide such documents, immediate deletion of the disputed accounts and information is to be expected.

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 2023-01-27 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: AZ

Complaint narrative:
I filed a FTC report because I found inaccurate accounts on my credit report and nobody is helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: NJ

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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # 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 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 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 2023-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
I am enrolled in the XXXX XXXX and can not be charged for XXXX deductibles, coinsurance, and copayments. I received a bill from XXXX. I sent them my XXXX and XXXX cards. I was told that XXXX paid most of it and the leftover is my responsibility. I told them to bill the remainder to XXXX but they refused. XXXX even told me that I did not have to pay for this services since XXXX is a XXXX provider and must accept XXXX payment as the full payment for any XXXX services I received. I think I used XXXX twice. I'm not sure how many bills they have on file for me since I keep sending the bills back with a copy of my XXXX card. I finally received a bill from a collection agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am on my 2nd time requesting bank of America to file a appeal on there decision to deny me my claim I filed on XXXX & XXXX ( filed dates of claims ) .that I received a letter from Bank of America that supposably i had {$4800.00} in my account from a servicing office that refunded my account so when i called the bank to request a debit card they said there's been 2 issues out already so I then ask them about this letter that I received saying I had credited returned funds in my account I was then told i only had XXXX XXXX on my account i said hows that if im receiving this letter saying i have funds so i filed a dispute fraud dispute a week and a half later got denied was told that a letter was sent out 10 days from complaint that i was denied never recieved any letter and then again today XXXX 14 days after still no letter called today and was told I was denied and once again a letter was sent out yesterday supposably to inform me that I've been denied so now with no 10 days and we'll credit a account upon investigation nothing nothing nothing... So I filed another complaint upon there decision and was told I can't be credited they have no documents upon why they made there decision to deny my fraud complaint and transaction complaint don't have them documents nor can distribute them that's for banks only to have or get witch is XXXX  so can I please get some help

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX - fraudantly ran my credit report for a mortgage without my permission, did not verify appropriate SS, License information before submitting inquriy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Entrata Inc.
State: TX

Complaint narrative:
Resident verify has me with an account that does not belong to me. I applied for apt and was denied because of eviction on my record for which I have never even lived at the address! I disputed it and asked it to be removed and provided identity theft report but still no movement. This company is ignoring me requests and has reported information that I have not given them permission too. 

Im accordance with FCRA 1681 I have a right to privacy ; and also no reporting agency shall knowingly report information believed to be false or misleading Resident verify ( entrada ) has violated my fcra rights and refuses to take down information that is damaging to my credit profile

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: NJ

Complaint narrative:
I have sent letters to Equifax on multiple occassions about an item on my report that is not right. I requested they investigate, send me a detailed description of how they verified it ( I want names, dates, and titles of people they talked to at these companies for my lawsuit ) and Equifax sent me half XXXX responses saying it was verified. THAT'S NOT WHAT I ASKED FOR. At this point I'm dealing with the companies legally and considering adding Equifax to the party for continuing to ruin my reputation by reporting these accounts. Both of the companies were sent a cease and desist back in XXXX and have failed to give me what I asked for which is why I filed suit. I didn't forget about Equifax though because looking at my reports I see they're still in cohoots with these crooks also

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a natural person, Iam a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times I demand the accounts listed below be removed because. According to 15 USC 1681 ; I have the rights to privacy and I did not give Equifax written permission to furnish 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Be removed under this law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: FL

Complaint narrative:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2023-01-27 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: NJ

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These unverified must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these unverified, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be updated or repaired as soon as possible. 
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 XXXXXX/XX/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 2023-01-27 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: FL

Complaint narrative:
I have asked nicely 2 times now for Experian to remove XXXX accounts that are not mine. They belong to another XXXX XXXX XXXX is COMPLETELY different. His is XXXX and mine is XXXX. Each time they come back account is reporting correctly. No it's not. It's reporting on his report and on mine as well. I am not a co signer or authorized user on either of these accounts. So, why cant Experian listen to me and do a request to verify using the social. Just using identifiers like my name which is common will not solve the problem with mixed files. 

I have sent all the documentation to XXXX XXXX. They sent back a letter saying they think " someone other than me or a company filed the report '' and they therefore didnt bother with my investigation. They were given a typed letter, my drivers license, social security card, and a utility bill. How much more do they need to do their job. Now another XXXX days has passed since they ignored my request. Attached is their letter.

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 2023-01-27 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: MD

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The Listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$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 explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY FINANCE CORP
State: OH

Complaint narrative:
In XXXX, I had a car loan on a XXXX through XXXX XXXX. They increased my payments by at least a {$100.00} more a month. I had many discussions with the company and was told that if I let them take the vehicle back, all further debt would be erased considering they could sell the vehicle for more than what was owed. The entire time I had that vehicle, there was nothing but issues with it. I had to replace brakes, tires, the fuel pump, rust spots, and much more than I can hardly remember. Now, Professional Financial Services of Ohio LLC., is claiming that I never made a court hearing in XXXX XXXXXXXX XXXX XXXX  back in XXXX ( I was living in XXXX  and had never received any mail, emails, phone calls, etc. about a court hearing. This money that they claim I owe, isn't even on my credit report. And now PFS of Ohio is coming after me for it again with 17.950 % interest tacked on. I do not owe this money and I am appalled that this is something I'm dealing with nearly a decade later!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They closed my account for no reason and before they closed it. There were unnecessary charges and fees being taken out.

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 2023-01-27 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I have called Navy Federal Credit Union several times beginning in XX/XX/XXXX I placed a dispute, and the dispute wasnt ruled in my favor because navy federal said it was too late due to policy. I called Navy Federal again XX/XX/XXXX of XXXX and I called again about the same complaint XX/XX/XXXX and asked to speak to upper management and yet no one comply to reopening the fraud dispute for illegal down payment and the also told them credit card authorization form was not signed by 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 2023-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi, My complain about : paypal banned my account since last year XXXX 2022, My money was stock. I comply with their rules and regulations and still blocked my account. Thanks for helping My paypal acct : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
NFCU Account # XXXX is reporting transaction history since the opening of this account and should not be. It is illegal to report transaction history under 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation