vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Yesterday XX/XX/2022 I had problems with living into my online mobile bank because my Cell phone was off I couldnt complete the XXXX step versification to get into my account and I couldnt reset my password either I been calling my bank all day trying to get them to help me log in but they said its noting they can do because they cant go past that XXXX step verification process so I wasnt able to log into my account all day until later in the afternoon I had someone pay my phone bill so I can reset my account long story short I had my pension money deposit into my account today it loaded in my account around XXXX sometimes I still was having troubles logging into my account by the time I was able to get into my account almost XXXX all my money was gone someone had logged into my account in moved my money from my checkings account into a credit builder account I never ever use and made a transaction XXXX  XXXX XXXX for {$810.00} which was all of my money i immediately called my bank addressing the situation I have no money that was my pension money from my job I have no money yesterday was my mom XXXX XXXX anniversary that she been XXXX I couldnt go to the grave yard in visits because some one hacked into my account in stole all my money how this happen I dont know but its funny how they prevented me from accessing my account all day then when I finally do some one else gets access and was able to make out with my money I never use This credit card my bank is chime they have the online virtual card the same as the physical card which you never ever do the person who hacked my account would have been unsuccessful had the virtual been different for every debit card they never give the same card info the virtual card be like something you can use temporary until you receive the physical card them once you activate the real card you can no longer use the virtual now thats how the hacker did it they transferred my money from my savings to the credit building card and made the virtual card to they XXXX XXXX cause its the same information as the real card this person doesnt have the real credit card nor do they have any of my passwords I dont know how they logged into my account but people know how to do these things I received emails from chime saying someone logged in my account XXXX times yesterday from a XXXX and in different locations XXXX was in XXXX XXXX I live in XXXX this is crazy they took everything I had in one XXXX to XXXX XXXX or XXXX XXXX I need my money back to survive that was my pension money I cant wait months while they think about it I need my money immediately I have XXXX children in my house hold that depend on me I please help me I feel so violated chime security system seems like its only XXXX at stoping me from doing something because how they keep me out but let someone else get in and steal all my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: LEXISNEXIS
State: FL

Complaint narrative:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
XXXX XXXX Code XXXX ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: FL

Complaint narrative:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
I sent TranUnion a XXXX letter to validate the incorrect accounts that is being reported on my credit report. This was back on XXXX XX/XX/XXXX. I have yet to receive any response back in regards to the matter. The following accounts follow : XXXX. The following account is not mine XXXX XXXX XXXX The following account is not mine XXXX XXXX XXXX The following account is not mine XXXX XXXX XXXX. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/XXXX XXXX. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/XXXX A 30 day demand to comply was also sent to TransUnion as well, which they failed to adhere to.

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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
I sent TranUnion a XXXX letter to validate the incorrect accounts that is being reported on my credit report. This was back on XXXX XX/XX/XXXX. I have yet to receive any response back in regards to the matter. The following accounts follow : XXXX. The following account is not mine XXXX XXXX XXXX The following account is not mine XXXX XXXX XXXX The following account is not mine XXXX XXXX XXXX. The following Inquiry is not mine XXXX  Date of Inquiry : XX/XX/XXXX XXXX. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/XXXX A 30 day demand to comply was also sent to TransUnion as well, which they failed to adhere to.

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 2022-04-01 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: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AE

Complaint narrative:
I sent Equifax Credit Bureau a XXXX letter to validate the incorrect accounts that is being reported on my credit report. This was back on XXXX XX/XX/2021. I have yet to receive any response back in regards to the matter. The following accounts follow : XXXX. The following account is not mine XXXX XXXX. The following account is not mine XXXX XXXX XXXX The following account is not mine XXXX XXXX. The following account is not mine XXXX XXXX XXXX. The following Inquiry is not mine CCB/BOSCOV Date of Inquiry : XX/XX/2021 XXXX. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/2021 A 30 day demand to comply was also sent to Equifax Credit Bureau as well, which they failed to adhere to. Please see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rausch Sturm LLP
State: CA

Complaint narrative:
I have been receiving this debt collection attempt for a while and I wrote them multiple times to dispute this account and asked for validation and they failed to provide me with proper signed validation. I wrote them again but didn't receive anything. Now XXXX different companies are sending me debt collection letters about the same account which I disputed multiple times but they keep on sending me threatening 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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AE

Complaint narrative:
I sent Equifax Credit Bureau a 609 letter to validate the incorrect accounts that is being reported on my credit report. This was back on XXXX XX/XX/2021. I have yet to receive any response back in regards to the matter. The following accounts follow : 1. The following account is not mine XXXX 2. The following account is not mine XXXX 3 . The following account is not mine XXXX 4. The following account is not mine XXXX XXXX 6. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/2021 7. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/2021 A 30 day demand to comply was also sent to Equifax Credit Bureau as well, which they failed to adhere to. Please see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AE

Complaint narrative:
I sent Equifax Credit Bureau a 609 letter to validate the incorrect accounts that is being reported on my credit report. This was back on XXXX XX/XX/2021. I have yet to receive any response back in regards to the matter. The following accounts follow : 1. The following account is not mine XXXX 2. The following account is not mine XXXX 3 . The following account is not mine XXXX 4. The following account is not mine XXXX XXXX 6. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/2021 7. The following Inquiry is not mine XXXX  Date of Inquiry : XX/XX/2021 A 30 day demand to comply was also sent to Equifax Credit Bureau as well, which they failed to adhere to. Please see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc.
State: VT

Complaint narrative:
I have been trying to contacf Grain XXXX in order to have my {$250.00} deposit returned to me and close out my account. I have sent over 8 emails with no response. They don't offer a phone number to call. I just want my account closed and there is no way to get in touch with anybody. They promise to return the email within 2 BUS but that does not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: TX

Complaint narrative:
in according with the fair credit reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX has avoided my 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 2022-04-01 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: TX

Complaint narrative:
in according with the fair credit reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX has avoided my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # 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

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 2022-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: IN

Complaint narrative:
I open this credit card account with money from own account during the pandemic i was unable to keep paying it so it went bad they close my account and sent it to collection, when i got back to my feet i called them t resolve it they sent told me they had already sent it to the collection agency i called the collection agency i paid them but they had a different amount then the company has when i called the company the company told that i didnt pay the right amount so they kept a balance of {$39.00} on my account that cant seem to come off. the collection agency tld me they have no record of my account and theres nothing they can do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Received the following text : ( Alert ) Your Citizens online account is under review due to suspicious activity. To restore access visit : XXXX ( Msg & data rates may apply )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Checking account was opened fraudulently under my name on XX/XX/2022 at TD Bank. I informed bank and bank has closed account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, and defamation of character. I am unable to get a job or apply for credit, and can't even get an SBA loan due to the pandemic under this crisis.

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 2022-04-01 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # 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

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 2022-04-01 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I sent out a Demand letter for Robocalls to stop from this business. They called me 5 times regarding this issue without my consent. I did not give this company consent or I did not provide my phone number to this company to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I answered to an ad on XXXX ( on Sunday, XX/XX/2022 ) for a house that was listed for rent. I was on the phone with someone who claimed to be the landlord of the property. He said he was out of town but could show me the apartment over the phone. Desperate and nearly homeless, I said okay. He gave me a code to enter the house, which made me feel like this person was really the landlord. After checking out the place, I agreed to moving in. He said he would meet with me tomorrow to secure the lease and give me the keys. However, the only way that would happen is if I give him the security deposit first. This made sense to me at the time because I have had to pay a security deposit before signing the lease with my previous apartment. The supposed landlord assured me the deposit is refundable and it is only to make sure he doesnt show the property to anyone else. Since he said it was refundable and would meet with me tomorrow, I sent him a deposit of {$1100.00} via cash app. I felt confident sending it via cash app since Ive seen cash app refund money back to people. Not to mention he said the deposit is refundable. After sending the deposit, I realized it was a scam once he sent me an application via XXXX forms. I also realized the rent was not the same as what was listed on another website. I immediately reported the transaction as a scam. I requested a refund to the supposed landlord and he has yet to give me the deposit back. I reached out to cash app customer support via live chat. They didnt have any representative to talk to on the phone. They told me there was nothing they could do once the transaction is complete, but I know thats not true. Ive seen cash app take money away from my account ( without my consent ) after someone requested a refund. If they can do that to my account, which isnt a scam, why cant they do that to an account that actually is a scam? The amount I gave him for the property is incorrect. It is not what the actual security deposit is for the property. He charged me a false amount under false pretenses. Even if he was the actual landlord, he said the amount is refundable. I should be able to get my money back. Cash app states the transaction should be refunded if it is the incorrect amount. {$1100.00} is an incorrect amount. The actual deposit is not {$1100.00}.

Company response to consumer: Closed with explanation