vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
On or around XX/XX/2022, Chime bank allowed another account to link up to my account and it stole {$600.00}. Chime refuses to even tell me why my claim is denied! I have never received anything in writing from them telling me anything. I had berm in my account some XXXX minutes earlier and set up a transfer to my other account that was linked at XXXX bank XXXX That should have flagged my funds, right? No they let someone access my account XXXX link a whole account to mine and empty my account out. I was home very sick at this time, had my phone off. As soon as I realized it, I called them freaking out but calmly told them everything. I have also escalated this. Still nothing, no response and no money returned. They have received requests from out of state from me got grocery stores and make up places. I disabled my card but they refuse to give me my money back. I do not know who stole my money! I thought they were supposed to protect my money! They even refused to give me a new checking account number although they know this has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
On XX/XX/13 I made a transaction for XXXX on an account that does not have overdraft protection. I have chosen to opt out in overdraft protection and am accustomed to the bank declining my purchase if there are not enough funds to cover the amount. Specifically to avoid overdraft fees. I was unaware that the account had become overdrawn by {$20.00}. Over a month later on XXXX the bank began taking out a daily {$6.00} Consecutive days XXXX  fee. Again I was completely unaware. Totaling {$120.00}. On XXXX the bank charged off my account, creating confusing charges and credits eventually totalling a {$170.00} credit to my account. Again, I was completely unaware of all of this activity and had not been contacted. I had been having a separate issue with the bank refusing to change my mailing address and believe this may have caused the lack of communication. 
On XXXX I began to transfer funds into my remaining account to prepare for a down payment on a car. I noticed that my other account had been closed but did not look in to it yet. Looking at it this evening XXXX I see that they had taken {$170.00} from my remaining account to cover the excessive fees charged to my now closed account. Causing me to look further into this issue and contact customer service. The online agent XXXX told me I was not charged an overdraft fee but a negative balance fee and that there was no refunding these charges.

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 2022-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: PA

Complaint narrative:
I contact the American Finance Company regarding my old account I attempt to pay it off today XX/XX/2022 and they stated I owe {$560.00} but my credit report states XXXX. The collection agency stated that this's what the Finance Company sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: NJ

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: NJ

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately.

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 2022-06-01 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: AZ

Complaint narrative:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNION Collection : XXXX XXXX XXXX ( Original Creditor : EXXXX XXXX XXXX ) Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Collection XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was t

he victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of ite
ms which do not belong to me or were opened without my permission. 

XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN Collection XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO

WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 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: NC

Complaint narrative:
n accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX account 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 account without 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 non-monetary relief
Consumer complaint received 2022-06-01 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 — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have XXXX fraudulent student loans opened under my name when my house got burgularized in XXXX. The student loans were opened in XX/XX/XXXX by Nelnet/education financial. I have the police report and court documents with the person that took my information. I have tried to dispute the account through the credit bureaus several times but they keep coming back saying it has been verified...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of identity theft and the accounts that I have listed on this report are a result of fraud. This information needs to removed from all consumer reports. I have been a victim of the XXXX Data Breach and all of my information has been compromised. Remove this information immediately. These accounts are not mine.

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 2022-06-01 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have XXXX fraudulent student loans opened under my name when my house got burgularized in XXXX. The student loans were opened in XX/XX/XXXX by XXXX XXXX. I have the police report and court documents with the person that took my information. I have tried to dispute the account through the credit bureaus several times but they keep coming back saying it has been verified...

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 2022-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2022, I made the mistake of not bridging the original transaction, because of my newness to this industry. I have sent {$18000.00} to the hash address at XXXX in coinbase. This was a mistake obviously and the transaction shows my funds just sitting there but not in coinbase. 

I filed a Case # XXXX to Coinbase to access help to make my funds available on my coinbase account, through the XXXX coin using that particular coins transaction hash ( address ) to accomplish this transfer. 
I was told that coinbase couldn't find my transaction hash on XXXX, and rightfully so, because this wasn't done on XXXX, but was done on XXXX., this is a XXXX transaction whereby I made apparently made 2 mistakes by not bridging my XXXX coin funds from XXXX ( XXXX XXXX ) to XXXX blockchain, through XXXX a ( XXXX XXXX ) exchange and by mistake, ( DUE TO POOR DISCLOSURE ) approved my transaction, that shouldn't have been permissible to go through, to XXXX XXXX transaction hash address. 
-- Mistake # 1 I tried sending my XXXX XXXX to my XXXX XXXX hash address ( obviously not the correct way ) according to XXXX wallet, who still allows you to continue with your transaction, even though it's going to not work. 
Mistake # 2 I didn't Bridge to XXXX XXXX as they call Exchanges like Coinbase and XXXX XXXX XXXX. This creates the need for a bridge ; which, is not explained very well XXXX XXXX the XXXX XXXX XXXX site. I thought I was doing this correctly AND HAD NO POP-UPS TO STOP MY ACTIONS, only to find out I didn't and now have over {$18000.00} trapped in Cyberspace, that I can not access. 

THE URL BELOW IS THE LEDGER OF MY TRANSACTION SHOWING MY MONEY JUST SITTING THERE UNABLE TO BE ACCESSED : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-06-01 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without 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 non-monetary relief
Consumer complaint received 2022-06-01 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: SC

Complaint narrative:
I have some inquiries that I didn't authorized on my credit report and unaware of. 
Inquiries : XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX Transunion : 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 explanation
Consumer complaint received 2022-06-01 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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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 — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: AZ

Complaint narrative:
I have already sent multiple letters to the credit bureaus addressing the billing errors that is appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX Balance Owed : {$21000.00}

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 2022-06-01 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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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