vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: VA

Complaint narrative:
I had suspicion that my account could possible be compromised so I contacted Chime customer support Inside the banking app on XXXX XX/XX/22 and I was IGNORED! A week later my account was compromised and my Paycheck {$590.00} was stolen. After 7 Hours on the phone with customer service we managed to get back into my account only for it to be compromised again on XXXX XX/XX/22 and {$240.00} was stolen out of my account again. Since XXXX XX/XX/22 I still have no access to my account and all efforts to resolve this situation with chime have accomplished absolutely nothing. It is now XXXX XX/XX/22 and I am still locked out of my account. Customer service keeps telling me to log into the app. But they don't seem to understand that I am unable to access my account because they have failed several times to change my Account information so that I can access the app. At this point I can't tell If I'm being scammed by a scammer? Scammed by Chime? Or both? Chime is great until you have a problem. Customer support has provided absolutely no decent assistance in resolving this matter and I need help from. Due to this all of my bills are late which has created a whole different set of problems for me. Chime has FAILED miserably to help protect me & my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Company is in violation of 15 USC 1666b and 15 USC 1681b. they are reporting inaccurate information on my consumer report, one, without any written instructions from i, the consumer, second this inaccuracy is hindering my ability to obtain credit and its also defaming my character,. this is embarrassing and damaging my livelihood. Ive put the company on notice already and i would like them to properly do their job and stop violating consumer rights.

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 2022-10-14 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/22, I submitted a dispute to my credit card company regarding a charge from XXXX XXXX lines that was applied however the charge was paid in cash. The credit card company responded back on XXXX that the dispute was closed without properly resolving the issue and providing zero evidence from XXXX XXXX  of the transaction. These charges were paid for in cash while on the cruise ship. The cruise ship app which lists all transaction history is no longer accessible while not on the ship. It has now been 30 days since this was originally disputed and the charge is still showing and again with zero evidence of the monies being owed from XXXX or Citibank. At this point the charge needs to be removed before I pursue legal action to remedy the situation. Failure to remove the fraudulent charge will result in a lawsuit. I will be contacting the Texas Attorney General to pursue legal action if this matter is not resolved and the charge is not removed permanently within 48 hours. I will be pursuing legal action against both Citibank and XXXX XXXX XXXX. Please see attached check that was refunded to me for overpayment.

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 monetary relief
Consumer complaint received 2022-10-14 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: NY

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 confidentially under 15 USC 1681. 


XXXX XXXX : # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A. Section 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 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 explanation
Consumer complaint received 2022-10-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I mailed off my challenge letters to validate debt owed and was not notified of incorrect information on my report. 

I mailed off on XX/XX/2022

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 2022-10-14 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: FL

Complaint narrative:
I have incorrect personal information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Approximately XX/XX/2022, I contacted RocketMortgage regarding different options about a loan. I have had a loan for two years on my primary home at XXXX XXXX XXXX XXXX XXXX, GA XXXX. There is no issue with this loan. 

The contact was because I have a business opportunity that may require some cash. While my initial inquiry was through an online chat, I soon got a call from a representative. I believe his name is XXXX XXXX. I stated that the call was informational only and I wanted to learn about possible amounts for three different options -- a straight refinance ; a second mortgage ; and a HELOC. 

XXXX XXXX put me on hold and came back a few minutes later. He provided an estimate on how much cash I could pull out of my property if I refinanced and he provided an estimate on a second mortgage. He also said that Rocket Mortgage did not offer a HELOC. I had the information I needed and ended the conversation. Before the conversation ended, XXXX XXXX asked if he could call back every couple of weeks until I made a decision. And I agreed that would be fine. 

On Monday, XX/XX/XXXX, I received an electronic communication from Rocket Mortgage saying my payoff letter for my existing mortgage was ready. That's disturbing because I never requested one. I went to my online account with Rocket Mortgage and found a new loan in my documents -- number XXXX -- and it was categorized as " refinance '' under the label " Loans We're Working to Close. '' While online, I went to the chat function and eventually, though painfully, worked through the automated system and reached a human being. I explained to that agent the issue and he apologized, then gave me someone else to contact. I said this was their problem and they need to fix it. He said he would escalate my complaint to the executive team. 

Today, XX/XX/2022, I received a call. I didn't write down the name of the person but his direct phone line is XXXX XXXX XXXX ( I believe but am not confident that the last name XXXX XXXX XXXX XXXX ). He was calm but defended the existing of a loan document that was never requested as " that's just how we do it when we get an inquiry. '' In the original call, I gave permission for the person to run a soft credit check -- and that is the only permission I gave. I did not request a payoff letter. I did not request a refinance that " We're Working to Close ''. 

The creation of the second loan application is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: GA

Complaint narrative:
I have contacted Transunion numerous times via telephone and mail about the inaccuracies on my credit report. I have been ignored and no changes have been made. I thought that the credit reporting agencies needed my written permission to furnish anything on my credit report according to 15 US Code 1681b ( a ) ( 2 )?

I will list below the items I want removed and corrected ; my next course of action will be a {$15000.00} civil suit in my local county small claims court ( 15 US Code 1692k ) if the items are not corrected and removed LATE PAYMENT : XXXX - Update to 100 % paid on time COLLECTION/CHARGEOFF : XXXX  - Remove from consumer report INQUIRIES : Credit Plus - Remove 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 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Attempted to access my Equifax consumer report via XXXX but encountered some issues. Please view error message via screenshot attachment. I have rights to the disclosure to me my consumer file pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my consumer FILE from Equifax. PLEASE SEND IT VIA MAIL TO THE ADDRESS PROVIDED IN THIS COMPLAINT. THE PERSONAL INFORMATION I PROVIDED IN THIS COMPLAINT SUFFICE AS MY PROPER IDENTIFICATION PURSUANT TO THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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:
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX 

Please delete the following inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: FL

Complaint narrative:
IN REGARDS TO MY OPEN COMPLAINT REFERENCE XXXX, I RECEIVED A LETTER FROM TRANSUNION TODAY XXXX STATING I NEED TO CONTACT THE CREDITORS MYSELF AND LET THEM INVESTIGATE. WHAT PART OF DUPLICATE INQUIRIES AND FRAUDGLENT INQUIRIES DO THEY NOT UNDERSTAND. I HAVE BEEN THROUGH THIS WITH TRANSUNION MULTIPLE TIMES WHICH IS WHY I CAME TO THE CONSUMER GOVERNMENT SITE FOR HELP. THEY ARE REFUSING TO REMOVE DUPLICATE ACCOUNTS, THEY ARE REFUSING TO REMOVE FRAUD ACCOUNTS KNOWING I AM A FRAUD VICTIM. THIS IS MY FINAL COMPLAINT AND THEN I WILL HIRE AN ATTORNEY AND PURSUE LEGAL ACTION AGAINST TRANSUNION FOR ALLOWING CREDITORS GET THROUGH TO EVEN MAKE AN INQUIRY ON MY REPORT WHEN MY ACCOUNTS ARE FROZEN AND SHOULD NOT BE ALLOWED ACCESS FROM ANYONE. THEY STATE SOMETIMES THERE IS A GLITCH IN THE SYSTEM AND IT CAN COME UNDONE BUT THE CUSTOMER WHO PAYS THE MEMBERSHIP ( ME ) AND THE FRAUD REPORTS DONT COUNT. IT'S MY RESPONSIBILITY. I AM ASKING FOR THE CONSUMER SERVICES TO STEP IN AND GET INVOLVED WITH THIS MATTER. EVERYTHING ON MY PREVIOUS OPEN CASE REFERENCE XXXX IS ON THERE AND WHAT IS ACCURATE AND WHAT IS NOT. PLEASE REMOVE THIS INFORMATION FROM MY REPORT. TRANSUNION 'S REFERNCE NUMBER THEY PROVIDED ON THEIR LETTER IS REF XXXX, I AM NOT AND WILL NOT CONTACT THIS COMPANY AGAIN AND SPEND ANY MORE OF MY LOST HOURS AND TIME EVERY DAY TRYING TO DO THIS. EITHER THEY TAKE CARE OF IT OR I WILL HAVE IT REMOVED LEGALLY AND SUE THIS COMPANY FOR LOSS TIME, MENTAL ANGUISH, PUNITAIVE DAMAGES THEY HAVE CAUSED ME WITH THIS SITUATION. THE INQUIRIES ARE FRAUD AND DUPLICATES REMOVE THEM .... DONT SEND ME A LETTER SAYING I HAVE TO DO IT, AS IF I ALREADY DIDNT SPEND MONTHS TRYING TO DO THIS AND YEARS ON OTHERS. DO NOT REPLY BACK TO THE CONSUMER SITE SAYING YOUR STILL WORKING ON IT AND 2 DAYS LATER SEND OUT A LETTER TO ME. UNACCEPTABLE.DO YOUR JOB...

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 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Requested freeze to be removed since XXXX XXXX, XXXX. I have spoken with multiple representatives and supervisors to no avail. The online system has said that my freeze status is unavailable for weeks. I do not have access to maintain my online account due to this issue. By law, reports are supposed to be easily accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
In 2019 I sold my XXXX XXXX  it had bad engine problems I sold it as junk And I cancelled the insurance on it. XXXX still billed me after I cancelled it and harassing me about it. Why should I pay insurance on a car I sold, I cancelled the account in advance so I wouldnt have a payment on a car I didnt have anymore. The woman I spoke to on phone was very rude about it and refused to hear what I had to say to her when I called to dispute the charge on my credit report. I cancelled the insurance before I even sold it because the car was undrivable and smoked because of the transmission and engine problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX XXXX I received an email from the XXXX XXXX saying that my subscription was expiring and would automatically renew if I didnt cancel. 

Not wanting it anymore I called the number. They said that my account had already been charged but since it was less than 24 hours they could refund the {$420.00} To do so they had to access my online banking account.I accessed the account at a hospital computer where I work. They created a window that allowed me to enter {$420.00} Cleverly ( on their part ) the number went to {$42000.00} and could not be reversed. In an instant {$42000.00} appeared in my checking account. I really do not know how they were able to add {$42000.00} to my checking account in an instant. 

To fix things they asked that I wire {$42000.00} minus {$420.00} to them On XXXX XXXX I spoke with the teller at US Bank XXXX XXXX XXXX ) to organize the wire for $ 42000.He said he would do so and that it would go through the following day and that he would let me know when it went through. 

Turned out the wire went out overnight with no oversight from the bank. Both myself and the teller were surprised by that. How can someone wire so much out of my account like that? 

Furthermore, I did not receive a text asking me to confirm/ verify the wire which, according to the bank manager, XXXX XXXX XXXX I was supposed to get On Monday XX/XX/XXXX, the balance of {$16000.00} was supposed to go out but fortunately this was picked up by the fraud department. They called me and told me that money from my HELOC had been advanced to my checking account. We immediately stopped that wire. 
Why did the fraud department pick up fraud on the second wire and not the first? Why wasnt the first one stopped? 
WHY WAS I NEVER INFORMED THAT MONEY CAN BE WIRED DIRECTLY FROM MY ONLINE BANKING As far as I knew my account was NOT set up to wire directly. ( Another manager XXXX who has been promoted in US bank admitted to XXXX that it was initially not set up like that but that fact is being ignored ) I always had a bank official set up a wire- they can check my history!! 
They changed that capability without telling me In my lawyers opinion, US Bank should have called me immediately when they noticed a change in pattern ( sending a wire personally )

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 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
INCONSISTENT AND INACCURATE INFORMATION. ONE GLANCE ( SEE ATTACHED PICTURE ) AND THE INCONSISTENCY IS OBVIOUS. I ASKED THAT THIS DEBT BE VALIDATED AND VERIFIED WITHOUT RESPONSE. THEY CANT EVEN AGREE ON THE ORIGINAL LENDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: PA

Complaint narrative:
In accordance with fair credit reporting act XXXX  account # XXXX has violated my right 15 U.S.C 1681 Section 602 A states I have right to privacy .15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furish a account with my written instruction and my signature.

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 2022-10-14 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: TX

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 # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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 2022-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: MN

Complaint narrative:
XXXX XXXX I applied for a card through credit karma because they told me in a promotion that I would get pre-approved. It also that it wouldnt be reported as a hard inquiry. I did not get approved and it was reported as a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: IA

Complaint narrative:
I have contacted Experian numerous times about XXXX listing inaccurate items on my credit report as well as my husband 's... they said they fixed the problem, but XXXX  added them back in ..plus more! I have proof of all the accounts as paid in full- never late- closed. Experian representative on XX/XX/XXXX ( which I had to call 6 times ) assured me the XXXX accounts would be updated as pain in full, never late!

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