vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Well my accaunt was shut down by chime becuz i forgot my password after contacting them they asked me to provide them with certain items such as two valid identification so i did after they verify and saw it was me they asked me for a phone bill so i could put my new phone # in i also did that and they keep giving me the runaraund abaut the bill saying to provide them with that document wen i did im going on three weeks without my money and its not right if they already verified its me wuts the problem i think that they are the real scammers talking abaut fraudulent activity the only fraudulent activity is wut they are doing chime is no good

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Capital One XXXX Credit Card reported to XXXX that my credit was over the credit limit of {$1300.00}, by {$46.00}, without first notifying me that I needed to make a payment to bring down the balance to XXXX again, thus causing my credit score to drop XXXX points on XX/XX/2021. 

The problem is that I was never notified to make a payment, before Capital One reported to XXXX and the other two credit bureaus, I was over my credit limit by a mere {$46.00}, before causing extremely detrimental lowering of my credit score by XXXX points with XXXX, which was XXXX, then dropping my score to XXXX. My score has dropped again as of XX/XX/XXXX, again by Capital One, down to XXXX, this is extremely hurtful to me as I was in a car accident in XXXX, in which my car was totaled. With such an extremely low score now with all three credit bureaus, XXXX being just an example, I now can not finance a new car. 

I am an older divorced, single mother working full time with low wages in Kentucky, trying to provide for my XXXX year old son, and am in need of a safe car to do so. 

With my score dropping an entire XXXX points, due to my not having the opportunity to make a payment of {$46.00} ahead of time, I find that Capital One XXXX is a Predatory Lender. Capital One is responsible for dropping my credit score from XXXX, to XXXX with 8 days! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: PA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

inquiries XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2021-12-26 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: PA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

inquiries XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
On XX/XX/XXXX I received an email from Wells Fargo that they are sending me a new debit card because they believe my current card was susceptible to fraud- this was not a result of my request. On XX/XX/XXXX, I attempted to use my debit card but it had already been hot carded, despite the fact that the email on XX/XX/XXXX said it would take 5-7 calendar days to receive the replacement card. My new card has not been received, nor have I activated it, so I do not believe Wells Fargo should hot card my card, leaving me without access to my funds. 

This measure is taken by Wells Fargo on an annual basis almost. Each time, its a significant disruption to me, not to mention, embarrassing and frustrating having my card declined when I have enough funds in my account.

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 2021-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: CT

Complaint narrative:
I have had this account since XXXX. I have never missed or had a late payment. In XX/XX/XXXX, the company arbitrarily decreased my credit limit by almost 30 %. This decrease had nothing to do with my account history and has caused my credit score to drop

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of transunion inquiry issues i tried to contact customer service but they would not help and take care of the negative inquiries reporting to my credit report. Here is a list of the inquiries i ask to be removed XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX DBA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 2020

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 2021-12-26 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:
To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed the FTC Report as well and the report number is XXXX. The FTC Report is attached. 

These fraudulent credit inquiries were made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX on XX/XX/2021 XXXX. XXXX XXXX on XX/XX/2021 Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy 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 2021-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting to remove account # XXXX XXXX SYS XXXX my credit report, which is currently showing as paid-in-full. As this account is no longer an oven obligation, I need this account removed from my report, supported by 15 U.S.C 1681.

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 2021-12-26 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: CITIBANK, N.A.
State: OR

Complaint narrative:
I wanted to send a book as a gift. I purchased the novel " XXXX XXXX XXXX XXXX '' on XXXX and XXXX on XXXX. The book is by XXXX. XXXX, a XXXX XXXX wining author. 

Instead of sending the book I paid for, they sent some weird comic book. A picture of that book with the receipt is attached. 

When I informed XXXX and XXXX of the error, they refused to rectify it. 

I went to my credit card company to protect me from this fraud. I filed a dispute and they requested evidence, but forbade sending any photos or files as evidence. I therefore sent them a recounting of what happened. 

XXXX failed resolve the dispute in my favor. With no notice to me, they reversed my credit. As a result, XXXX and XXXX stole my hard earned money and I never got the book I ordered.

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 2021-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The status is incorrect for the following account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: MS

Complaint narrative:
These inquiries below are still being reported on my credit report as of today, despite receiving a confirmation letter from Equifax on XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021, confirming that you have deleted these inquiries from my credit file. This is very disappointing to say the least. 

The Following Inquiries are Fraudulent : XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX SENDING MY IDENTIFICATION AND SOCIAL SECURITY TO SUPPORT MY DISPUTE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: UT

Complaint narrative:
On XX/XX/2021 a transaction from XXXX hit my card for the amount of {$3200.00}. I did not authorize or make the transaction. I logged into the Citi website and marked the transaction as fraud. Later I logged in and noticed the dispute button was still there so I hit the dispute button again. The dispute then showed up on the Citi website as a canceled transaction dispute so I called Citi a couple of times and validated a couple times that they have it marked as fraud and I was told it was noted on my account that it is fraud. I re-emphasized that I did not do the transaction. Citi has now marked the dispute as resolved and said I owe the money because of the terms and conditions for XXXX. I did not agree to any terms and conditions because I didn't purchase anything. On XX/XX/XXXX I was sent a message they are still looking into an unauthorized transaction on my account and then on XX/XX/XXXX they close it and say I owe it because of terms and conditions. See attached document labeled Investigation Update for the letter showing they knew I reported it as unauthorized. See the document labeled Investigation closed where they reference terms and conditions I didn't sign. And finally there is a document labeled chargeback request that is attached. In that document it shows that the booking was for XXXX. I did not book anything to go to XXXX. It also has the name, email address and phone number of the person that booked and accepted the terms and conditions. That person is not me. It is not hard to see that the name in the charge back request document and the name on my credit card are completely different as well as the email and phone number. I feel like Citi has broken laws by not refunding me for the fraudulent charges. I feel like they also have broken laws with marketing which lists on their website that I am 0 % liable for fraudulent charges. Citi did not perform due diligence on my report of fraud on my card. I am not going to play the back and forth game with them this needs to be resolved now.

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 2021-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: CA

Complaint narrative:
We have received a letter from American Profit Recovery ( a collection agency ) on XX/XX/XXXX, dated XX/XX/XXXX, to collect {$600.00} on behalf of XXXX XXXX. The payment is requested against an XXXX treatment for my daughter that was completed in XX/XX/XXXX. All the bills were cleared and closed in XX/XX/XXXX. However, without any written or verbal communications from the XXXX XXXX administration, we received a direct letter from the collection agency after over two years to pay an amount that we were not aware of or agreed to. In addition, XXXX XXXX is not interested in discussing the matter nor has agreed to provide any valid reason why the collection agency has contacted us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: CA

Complaint narrative:
I am a victim of identity theft. The information that your company, XXXX XXXX XXXX, is still reporting to my Equifax Credit Report does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I first noticed this fraudulent activity then obtained a copy of my credit report on or around XX/XX/XXXX. I immediately contacted my attorney at the time who advised me to place a fraud alert on my report, which I did on XX/XX/XXXX. I was advised to file a police report regarding the fraudulent and criminal activity on my credit profile. On XX/XX/XXXX I went to the XXXX XXXX Police Department and filed an identity theft incident report, Report # XXXX. I was advised by the investigating XXXX that this matter would be handled by XXXX of their detectives and to continue to follow up with both the detective and the credit agencies regarding this matter, as the fraudulent items were still negatively affecting my credit report. On XX/XX/XXXX, I obtained another copy of my credit report. XXXX XXXX XXXX installment loan, was still reporting to my credit report. I then filed an Identity Theft Report with the Federal Trade Commission, Report # XXXX, on XX/XX/XXXX. I also contacted the detective that was handling my complaint with the XXXX XXXX Police Department and let them know that the matter had not been handled. I pulled my credit report again on XXXX, and expected this fraudulent account to have been removed, however it was still reporting to Equifax. I have now filed an additional Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, Report # XXXX. I have listed this fraudulent account below as it appears on my credit report. 

Fraudulent Negative Accounts : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Account status : Closed Status updated : XX/XX/XXXX Account type : Installment Payment status : Repossession Balance : {$0.00} Balance updated : XX/XX/XXXX Original amount : {$15000.00} Monthly payment : {$0.00} Past due amoun : t {$0.00} Terms : 120 Months Responsibility : Joint Account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. The information that your company, Bank of America is still reporting to my XXXX Credit Report and does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I first noticed this fraudulent activity then obtained a copy of my credit report on or around XX/XX/XXXX. I immediately contacted my attorney at the time who advised me to place a fraud alert on my report, which I did on XX/XX/XXXX. I was advised to file a police report regarding the fraudulent and criminal activity on my credit profile. On XX/XX/XXXX I went to the XXXX XXXX Police Department and filed an identity theft incident report, Report # XXXX. I was advised by the investigating officer that this matter would be handled by one of their detectives and to continue to follow up with both the detective and the credit agencies regarding this matter, as the fraudulent items were still negatively affecting my credit report. On XX/XX/XXXX, I obtained another copy of my credit report. Bank of America, was still reporting to my credit report. I then filed an Identity Theft Report with the Federal Trade Commission, Report # XXXX, on XX/XX/XXXX. I also contacted the detective that was handling my complaint with the XXXX XXXX Police Department and let them know that the matter had not been handled. I pulled my credit report again on XXXX, and expected this fraudulent account to have been removed, however it was still reporting to XXXX and XXXX. I have now filed an additional Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, Report # XXXX. I have listed this fraudulent account below as it appears on my credit report. 

Fraudulent Negative Accounts : Bank of America XXXX XXXX XXXX XXXX, XXXX, TX XXXX Account # XXXX Phone : XXXX Open : XX/XX/XXXX Last : XX/XX/XXXX High Credit : {$500.00} Limit : {$3000.00}

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