vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I deposited my check on the Chime mobile banking app on XX/XX/XXXX. Its now XX/XX/XXXX, and I still have no access to any of my funds. This has been extremely stressful as I rely on my checks for a majority of my bills and spending. They only send an automated message, no one actually tries to fix the problem. I see multiple people experiencing the same thing, and its the same. This is by far the worst app I have ever used and I wish I never downloaded it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to report a concerning issue regarding a series of unauthorized transactions on my Chase bank account. On the dates of XX/XX/XXXX and XXXX, a total of ten unauthorized transactions were posted to my account. I promptly reported this issue to Chase bank within the same week. 

Chase bank acknowledged my report and conducted a thorough investigation into the unauthorized transactions. Subsequently, they accepted my claim and credited the disputed funds back to my account. However, to my dismay, on XX/XX/XXXX, I observed that Chase had reversed their decision and deducted the refunded amount from my account. In my conversation with Chase customer service, they replied to me back that the transactions were used by using my phone and face ID, asserting their inability to resolve the matter and refund the money. 

It is crucial to highlight that during the period when these unauthorized transactions occurred, I was on a business trip in Texas and did not utilize my Chase debit card. I kindly request you to verify this information by examining the flight ticket receipts and XXXX trip records that clearly indicate my presence at the airport on XX/XX/XXXX and my subsequent journey to XXXX, Texas. 

Additionally, I have attached supporting documents which demonstrate the fraudulent nature of these transactions. The transaction descriptions specify that the payment methods used were 'in person ' and XXXX, ' despite the fact that I was engaged in a training session at the time and have never possessed a XXXX account or used it for any transactions. 

I am deeply concerned about the resolution of this matter, as these unauthorized transactions are not only financially burdensome but also a breach of my account security. I kindly request your assistance in rectifying this situation promptly. 

Please feel free to contact me based on my information that I have provided to discuss this matter further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am starting the process of buying a car as my current vehicle has started leaking oil and I am trying to get a safe and reliable vehicle for myself and child. I decided to pay XXXX for a subscription so that I can start to shop and get the best rate possible. I noticed several inaccuracies, and accounts that I do not recognize including inquiries. 

I have requested several times for proof. These bureaus have failed to provide me with a copy of any viable evidence, bearing my signature, showing these accounts are mine and being reported accurately. I am referencing to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... .promptly DELETE all information which can not be verified.

I receive a response back that the information is accurate and the bureau will then update my report still reflecting inaccuracies without ever supplying me with any proof. Who verified the inaccuracies? I have a right to this information so that I can follow up with them directly referencing Section 611 ( a ) ( 7 ) They are in violation of Federal Law by allowing these unverified accounts and items to remaining my credit report. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that the information is not only mine but is also accurate. 

How is this fair? I have tried several times through written mail, phone calls and using their online systems. I honestly do not believe that a person is even looking at my requests let alone investigating my disputes thoroughly.

Finally, In accordance with the fair credit reporting act 15 USC 1681, my rights have been violated and these accounts continue to negatively affect me. I am starting to feel despair because I feel like I am being bullied by the CRAs and that they are counting on the fact that a single individual may not have the time or resources to resolve these issues.

I am not typically a confrontational nor litigious person. For months I have let this go as I had given up and just accepted the fact that I will have to deal with this. However, I realized that laws are made for a reason and are there to safe guard and keep in line for fairness and equality.

The law is very clear as to the civil liability and the remedy available to me ( section 616 & 617 ) if these companies continue to disregard and fail to comply with Federal Law, I fully intend on pursing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: LA

Complaint narrative:
Child support is not a credit transaction. Therefore it is illegally RE-AGED and furnished. TransUnion memo

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 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I had above minimum balance in my account and issued an electronic payment required for a larger sum. As expected, my payment did not take place as TD never cleared my check. However, I was charged a maitenance fee for not maintaining the balance minimum. This does not make sense as funds never left my account -- the requested electronic payment never took place and I never breached the required minimum balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-27 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:
There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 
15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX Collection {$0.00} XXXX  XXXX XXXX Collection {$0.00} XXXX XXXX XXXX Collection {$0.00} XXXX XXXX XXXX Charge-off {$2100.00}

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 2023-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The account in question was fully settled in 2020 with the understanding that it would be removed post-payment. Furthermore, the account 's charge-off was a result of financial challenges during the COVID-19 pandemic. According to the CARES Act, I am entitled to protection, and this account should not be appearing on my credit report. It is also important to note that the information being furnished is inconsistent between the 3 bureaus which is a violation of the FCRA and I can take legal action due to any hindrance your inaccurate reporting has caused me. I kindly request the removal or an update to " paid as agreed, never late '' for the following account : Capital One XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am writing to seek clarification and verification regarding the reported late payment associated with my CAPITAL ONE account, XXXX which I have recently discovered on my credit report. I do not recall having a late payment for this account, and I kindly request your assistance in resolving this matter. 
I value my financial responsibilities and have maintained a strong commitment to ensuring that my accounts are managed diligently and payments are made promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit 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: U.S. BANCORP
State: AZ

Complaint narrative:
I had to leave an XXXX because of safety concerns, XXXX refused to refund me, I then called us bank to dispute it. They gave me provisional credit and claimed to have sent me a letter for additional information, but they did not, and then also took away the provisional credit. I had left the airbnb and contacted them right away to tell them about the safety concerns i had. XXXX refused to refund me even though i had to leave because it was not safe for me to be there. The total if the XXXX  i got charged was {$2800.00}. I contacted XXXX and US bank both trying to work this 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 non-monetary relief
Consumer complaint received 2023-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-10-27 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: CT

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
" FCO Collections '' has not provided any proof and continues to avoid providing proof that investigations to my disputes/complaints placed with the consumer reporting agencies ( XXXX, XXXX, and XXXX ) and the CFPB were indeed performed, and that the documentation labeled as accurate was sent to ME. They are illegally presenting information on my consumer report and damaging my identity. They have not met any of the timelines for response, therefore have not adhered to the FDCPA or FCRA laws. FDCPA Regulation F 12 CFR 1006.30 Other Prohibited Practices ( a ) Required actions prior to furnishing information. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 USC 1681 a ( f ) ), information about a debt before the debt collector : ( i ) speaks to the consumer about the debt in person or by telephone ; or ( ii ) places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability... I have attempted to get this issue with " FCO '' resolved several times. I attached my initial dispute letters to the agencies, my direct dispute letter to " FCO, '' and copies of my consumer reports after the disputes were said to have been updated by the agencies due to information provided by " FCO '' and have never received any info directly from " FCO ''. I've also attached proof that these disputes were mailed into the consumer reporting agencies via XXXX Certified Mail receipts. On XX/XX/, XXXXXXXX XXXX, I received a call from a XXXX XXXX, on behalf of FCO, phone # XXXX, I realized FCO was purposely avoiding my requests for this documentation. She wouldn't give direct answers when asked why I hadn't received them. She bullied me. She kept talking over me and would not stop talking. I never received the info but got a letter for 70 % off debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i started receive letters from companies i didn't recognize, so i requested credit report and i saw, that they reporting XXXX accounts which i never had, i believe, that someone using my personal information and applying for credit cards. i have never sign any agreement with these creditors. I don't understand why do i have to be responsible for these debts.

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 2023-10-27 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: FL

Complaint narrative:
i started receive letters from companies i didn't recognize, so i requested credit report and i saw, that they reporting XXXX accounts which i never had, i believe, that someone using my personal information and applying for credit cards. i have never sign any agreement with these creditors. I don't understand why do i have to be responsible for these debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: 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 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 

15 usc 1681 section 602 a states i have the right to privacy. 

15 usc 1681 section 204 a section 2 : it also states a consumer reporting agency can not furnish a account with 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 adverse items 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 reporting agency if the rperson knows or has resonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This relates to a Credit Card ending in the four digits XXXX. 

On XX/XX/XXXX I was charged an annual fee of {$99.00} by Chase Credit Cards. I closed the account on XX/XX/XXXX and as communicated by their documentation and to me orally, as long as it was cancelled within the first 40 days after an annual fee assessment, it would be refunded. I began calling on XX/XX/XXXX requesting the refund and kept being told it would happen " automatically '' within XXXX billing cycles. I continued to call during this time period and received no relief. I was referred to multiple Supervisors during this time period and was told my case was being escalated. On XX/XX/XXXX, I talked to a supervisor named XXXX and she said she would escalate the issue again. Then I noticed that my credit card noted above was no longer available to view on my User Log On. So I called again on XX/XX/XXXX and spoke to a supervisor in XXXX, MO named XXXX, and he said he'd refer the matter again and I'd hear something soon. He had to make any new noted on this issued under another accounts since the convienently " purged '' all records, conversations and data from the card ending in XXXX. I've called again on XX/XX/XXXX and XX/XX/XXXX and condinue to get nowhere. Only told I need to speak to a supervisor, however, to do that the telephone wait time is over XXXX hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
I received a letter I owe from a rental property I moved out of due to unhealthy living situations. 2 years later, I received a letter advising I owe $ XXXX. They turned me into the credit bureau 2 years with this debt collectors name and didnt realize until I did a credit check. They sent a letter stating I have 30 days to pay but no knowledge of it. They purchased a false debt

Company response to consumer: Closed with explanation