vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CO

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Chime Bank for XXXX denying me access to my checking account and refusing to address fraudulent charges made by XXXX XXXX XXXX a known con-artist who has stolen my identity. This denial is based on incorrect information provided by the IRS, which has used a name associated with my past trafficking experiences, thus impinging on my rights under the 8th and 14th Amendments of the U.S. Constitution and contradicting the principles established in XXXX vs. XXXX. 

Details of the Incident : Account Affected : Attached in Docs Fraudulent Transactions : Charges made by XXXX XXXX using my stolen identity. 
Action Taken by Chime : Denied account access based on disputed IRS records. 
Chimes actions have not only locked me out of my account but have also aided in the perpetuation of identity fraud by failing to rectify the fraudulent charges promptly. This refusal violates my constitutional rights, particularly my right to access my property and the protection against cruel and unusual punishments and the deprivation of liberty without due process. 

Demands : Immediate restoration of access to my checking account. 
A full refund of all fraudulent charges linked to the identity theft. 
A thorough investigation into how my personal information was handled and the fraudulent activities associated with it. 
I urge the Consumer Financial Protection Bureau to take immediate action against Chime for their complicity in these fraudulent activities and for violating federal law by denying me the fundamental rights to my financial resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit bureau is reporting late payments on account with XXXX XXXX XXXX XXXX and I believe it violates FCRA laws such as 15 USC 1681 Sec 602 states I have a right to privacy, 15 USC 1681 Sec 604a Sec 2 states a consumer reporting agency can not furnish an account without my written instructions, and 15 USC 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Again, this account has violated these above 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 2024-05-01 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: NJ

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: NJ

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed 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 2024-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus are still reporting the account inaccurately despite the dispute and evidence showing that the collection agency closed my account. Instead of showing it as paid in settlement and closed, the account is still listed as charged off. According to the law, the credit bureaus are obligated to report this account as closed and settled. Since this information is incorrect, I request that this account be completely removed from my credit report.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureaus are still reporting the account inaccurately despite the dispute and evidence showing that the collection agency closed my account. Instead of showing it as paid in settlement and closed, the account is still listed as charged off. According to the law, the credit bureaus are obligated to report this account as closed and settled. Since this information is incorrect, I request that this account be completely removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/XXXX, AND XX/XX/XXXX ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have XXXX hard inquiries about XXXX XXXXXXXX XXXX XXXX on my file and the credit bureaus are telling me they cant be removed because I have to contact them directly. So when I contact them directly I get the run around they tell me to contact the credit bureaus and 15 usc 1681 tells us that anyone who fails to comply with any requirement imposed under that certain sub chapter is liable to the consumer and my credit and living has been affected its inaccurate and it states I could get from {$100.00} - {$1000.00} for false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: SD

Complaint narrative:
i have disputed these charges multiple times over multiple years it has been dropped before but they just sell the case to someone new and it gets reopened

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 2024-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to follow up my previous dispute with certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

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 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Account still restricted even I uploaded IDs to CapitalOne.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: PNC Bank N.A.
State: FL

Complaint narrative:
XXXX the amount of {$66.00} and {$100.00} were used on XXXX on my debit card. I was driving for a work event and got the fraud alert. I immediately cancelled card and reported it. The bank then refunded a majority of the fraud but denied the charges listed above. I requested info on what state the transaction took place so I could prove it wasn't me and they mentioned the charge was processed in California but they can't tell where it was made. I've never been to California.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Capital Services, LLC
State: MI

Complaint narrative:
Structured Settlement has been calling me from a local spoofed phone number multiple times and leaving a voicemail saying the following : starting on XX/XX/XXXX then again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again lastly XX/XX/XXXX at XXXX XXXX  EST we are calling in regards to the auto debit file here in my office. we wanted to give you the opportunity to respond on your own behalf and see if there are anything youd like us to take into consideration before we make our final recommendations and try to give you a chance to resolve this on a voluntary basis. this is a time sensitive matter and does require your immediate attention. telephone number is XXXX this is a documented and time stamped attempt to contact you i have called on the following dates requesting information including original creditor, date it entered their office, balance, and a verification of debt/validation. 
XX/XX/XXXX at XXXX XXXX  then again XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  ( hung up on ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  and finally XX/XX/XXXX XXXX XXXX  they said they emailed the requested documents on both XX/XX/XXXX ( requested on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and then again on Monday XX/XX/XXXX at XXXX XXXX. none of which have been received. 
each time they say they have emailed me the verification to me as requested but it is not in my inbox, my spam or my junk folder. they refuse to verify the mailing address on file, and they are increasingly disrespectful, hostile and rude. i also let them know i am working with a debt settlement company, and that they are to be contacting them, however they instead belittle my choice to work with said company and continue to harass me and leave aggressive voicemails and treat the matter with hostility. they have threatened that this will be turned over to their legal department as well.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

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 2024-05-01 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation. 



Dear XXXX, I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed 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 non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
i requested information from them regarding the inaccurate and incomplete information they are reporting on my credit report. the information is a direct violation of 15 usc 1681e ( b ), it states that information shall be 100 % accurate and complete before reporting on a consumer report. 
i have attached a copy of the report below for your reference

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc.
State: FL

Complaint narrative:
I had contacted the debt collection agency when I notice I had a collections on my credit report. I contacted the collection agency on XX/XX/year> to talk to a representative and request an itemized list of the debt that was to be collected as I had received a notice from them that just named the company and the amount they were seeking to collect without any information on what that amount was for. I called again today to ask why I was not provided that information yet. I had given the collection agency 60 days to provide me with that information and I was not able to get information as to why I had not received that yet. Instead the agent was combative and gave me the run around instead of explaining what was going on with the status of debt which is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2024-05-01 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: NJ

Complaint narrative:
I have not given any one permission to access my credit credit profile and creditors have no permissible purpose by law to contact third parties with my private or personal information. The offenses amount to Aggravated Identify Theft : The following Creditors are reporting to on my credit report and I've taken actions with the creditors & Consumer reporting agencies that the following accounts are unauthorized and unverifiable.I requested proof that these accounts belong to me. However, no accurate response has been given to me. Creditor Name : XXXX  ACCT # XXXX Creditor Name : XXXX XXXX, XXXX. ACCT # XXXX Creditor Name : XXXX XXXX XXXX ACCT # XXXX Creditor Name : XXXX ACCT # XXXX Creditor Name : XXXX. ACCT # XXXX Creditor Name : XXXX ACCT # XXXX Creditor Name : XXXX.ACCT # XXXX Date of Inquiry : XX/XX/year> Creditor Name : XXXX Date of Inquiry : XX/XX/year> Creditor Name : XXXX. Date of Inquiry : XX/XX/year> Creditor Name : XXXX. Date of Inquiry : XX/XX/year> Creditor Name : XXXX. Date of Inquiry : XX/XX/year> Creditor Name : XXXX. Date of Inquiry:XX/XX/XXXX Creditor : XXXX Date of inquiry:XX/XX/XXXX Creditor : XXXX XXXX XXXX. Date of Inquiry:XX/XX/XXXX Creditor : XXXX XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX.Date of inquiry:XX/XX/XXXX, Creditor : XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX. Date of inquiry:XX/XX/XXXX, Creditor : XXXX XXXX XXXX Date of inquiry:XX/XX/XXXX, Creditor : XXXX. 
I'm requesting that these items be remove IMMEDIATELY : Please promptly remove this data within 4 business days to pursuant to 15 USC 168-c-2 to avoid any further legal proceedings. Thank you for your timely complaince!

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 2024-05-01 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: AL

Complaint narrative:
Advised the credit bureau to remove incorrect reporting accounts opened without my consent I have sent certified disputes also provided documents to support my request no resolutions

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