vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: SC

Complaint narrative:
Criminal Fraudulent scam wire for {$18000.00} got transferred from my Discover Cashback Debit Checking Account on XX/XX/2024. I contacted the bank in time to inform of the compromise and requested for a SWIFT recall. I have been calling everyday for 1 week and they do not have any updates. They are uncertain where my funds went. I have also reported the incident to the FBI IC3 and FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: Chime Financial Inc
State: NY

Complaint narrative:
I am writing to formally address ongoing issues regarding my dispute with Chime Bank. Despite several attempts to resolve these matters with both XXXX and Chime Bank, I have encountered significant challenges in obtaining a satisfactory resolution. On XX/XX/XXXX, I requested a full refund of {$840.00} On XX/XX/XXXX, I disputed an XXXX charge with Chime Bank, stating that I did not receive services as advertised. I provided extensive evidence, including pictures, videos, chat transcripts with the host, policies of services promised but not received, and receipts of additional purchases I had to make as a result of the accommodation 's shortcomings. However, on XX/XX/XXXX, Chime Bank ultimately decided in favor of the merchant. Chime used the merchant 's policy with my pictures as the merchant evidence. The rest of my documentation was eliminated from the process. 

Despite my efforts to seek resolution through the bank, the chargeback process has not resulted in a refund. Furthermore, my communication with XXXX XXXX has not yielded a satisfactory outcome, as complications with the chargeback process have prevented any potential refund. 

Additionally, I received communication from XXXX on XX/XX/XXXX, informing me that, as per the XXXX XXXX policy, I would be eligible for a refund of {$140.00}, representing 30 % of the nightly price for the impacted nights. Despite XXXXXXXX XXXX efforts, the host denied any refund, and the refund was not processed. Chime Bank failed to properly investigate and correct their error in dismissing my evidence. 

On XX/XX/XXXX, I made a second dispute with Chime Bank but they determine no error occurred. I request on XXXX XXXX XXXX XXXX XXXX XXXX XXXX a copy Chimes evidence in making their determination but never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: MD

Complaint narrative:
XX/XX/2024, I contacted Equifax to dispute the errors I recently found on my credit report on my mortgage company XXXX XXXX XXXX XXXX and they did investigate my dispute but did not update and delete the inaccurate information. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Multiple Federal Laws are being broken by the credit bureaus and XXXX/ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
on XX/XX/2024 my deposit from the veterans affairs was deposited into my newly opened venmo checking account thee amount deposited was {$4700.00} i made a charge that same day for {$9.00} and right after my account was frozen without notice and told my account would be closing and the the remaing funds would be held for 180 days which is unacceptable to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GU

Complaint narrative:
I've realized there are Unauthorized fraudulent accounts. 
My social security number has been used, however I recieved no benefit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: MD

Complaint narrative:
XX/XX/2024, I contacted Transunion to dispute the errors I recently found on my credit report on my mortgage company XXXX XXXX XXXX , and they did investigate my dispute but did not update and delete the inaccurate information.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Multiple Federal Laws are being broken by the credit bureaus and XXXX/ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
1. I purchased this car on XX/XX/2023, and I was told that the bank was going to be XXXX XXXX. The contract paperwork lists XXXX XXXX. 
2. I thought my car was stolen off my driveway on XX/XX/2023 so I called the police. They notified me that the car was repossessed by Chase Bank. 
3. I called Chase Bank to ask why they towed my car and they stated that they were not receiving payments from me. They claimed to have sent notices via mail to my home about missing payments. They had the address " XXXX XXXX XXXX '' in their system. My home address is " XXXX XXXX XXXX '' so the representative on the phone, XXXX, corrected this error. 
4. I reviewed my original paperwork from XXXX XXXX XXXX XXXX and noted that my home address is correct and that the bank lienholder was XXXX XXXX. I called XXXX XXXX on XX/XX/2023, the representatives on the phone claimed that my account was attributed to Chase Bank and not XXXX XXXX.Since purchasing my car on XX/XX/2023, I did not receive any notification from XXXX XXXX that the bank lienholder was changed from XXXX XXXX to Chase Bank. 
5. I paid the required fees and excessive late fees to Chase Bank in order to retrieve my car. 
6. By XX/XX/2023, I noticed that my credit score significantly decreased due to this clerical error by either XXXX XXXX or Chase Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
I don't recall having a contractual relationship with this collection company CREDIT MGMT. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: TX

Complaint narrative:
i have recently discovered that someone has been using my personal information to obtain goods and serives using my identity, enclosed are supporting documents to support my claim on identity theft.

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 2024-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
The company ran numerous credit checks even though I had an application pending This has affected my life and ability to get credit approvals for even the smallest things This company never had any intentions on giving me this loan and as an XXXX American these practices are offensive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-03-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-03-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have committed a Trespass by way of an Invasion of Privacy, Material Misrepresentation, Fraud, Unauthorized Use, Negligence, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and, Texas Business and Commerce Code Sec. 521.051. You are a consumer reporting agency as defined by the Fair Credit Reporting Act, " FCRA '', and a financial institution, and a nonaffiliated third party as defined by the Gramm-Leach-Bliley Act, " GLBA '', who obtained, used, and furnished my nonpublic personal information, personal identifying information, and identifying information without my consent pursuant to 15 USC 6801, Texas Business and Commerce Code Sec . 521.002, and Texas Penal Code Sec. 32.51.

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
The company ran numerous credit checks even though I had an application pending This has affected my life and ability to get credit approvals for even the smallest things This company never had any intentions on giving me this loan and as an XXXX American these practices are offensive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
The company ran numerous credit checks even though I had an application pending This has affected my life and ability to get credit approvals for even the smallest things This company never had any intentions on giving me this loan and as an XXXX American these practices are offensive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Capital one has a account on my credit profile that is not mine. I have never had a capital one account or card. I spoke with a capital one representative and was told XXXX XXXX XXXX is not attached to my social security number. That is the account that's on my credit profile. I then sent a letter with the my credit report and copy of my ID and every other document they asked for. 

I need the accounts removed from my credit report immediately or legal action will be taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am unaware of this debt, I did not have the opportunity to dispute this debt, I did not receive proper notification, if in fact you believe I received proper notification please provide receipt please provide certified mail with the receipt stating that I received it with my signature. 
Look on my credit report for the last day of activity and date reported, they are violating my rights I have attached a copy of how it is reporting to all 3 bureaus and it is not accurate across all 3 bureaus and the statute of limitations in 3 years in my state, they don't have rights to collect any 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 2024-03-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
I was notified by my credit app that I use through my personal checking on XXXX XXXX XXXX  of a new credit alert which had drop my credit score XXXX XXXX. Even though the account stated that it was paid off fully account balance is XXXX and still it appears on my credit report as a negative as well as close account with a balance of XXXX as some other amount. I have no knowledge of this account and the name is on the account is not the name I use that is on my documents given at birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I used my card on their site. Then charges started coming back to back to back for days and I requested charges. Be stopped and refunded. Cant get in touch with anyone cause theres no Number and emails go unanswered. I filed dispute with my bank and they are saying they are authorized. I explained that 2 charges were authorized. But they charged my card over {$7000.00} extra.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: UT

Complaint narrative:
I bought a house in XXXX from United Wholesale Mortgage. In XXXX, there was an escrow shortage, but that shortage has been completely paid off. In fact, for XXXX, there is an escrow surplus. I have asked them several times for a new escrow analysis. They supposedly did a new analysis last month, BUT IT WAS THE EXACT SAME ANALYSIS THAT THEY DID IN XXXX EVEN DOWN TO THE DATE, THE SHORTAGE AMOUNT, EVERYTHING WAS THE SAME. Now, I am almost paying over XXXX extra a month, and I have zero idea where the money is going. FRAUD!!!! Why can they not just do a new escrow analysis? My loan number ends in XXXX. If the UWM tells you that they did a new escrow analysis for XXXX, they are lying. Just because they sent me a new document in XXXX, the XXXX escrow analysis, does not mean it is a new analysis.

Company response to consumer: Closed with explanation