vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 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: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-01-28 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: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX XXXX XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MD

Complaint narrative:
I have been using the chime banking service for 3 years with great results. on friday XX/XX/2022 my checking, savings and Credit card were closed suddenly at XXXX via this email. 
" XXXX XXXX, Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/2022. 

If you have ACH Debits or recurring debit card payments, please notify the originators immediately to avoid disruption with your future payments. ACH debits and recurring debit card payments may be rejected after XX/XX/2022, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. '' I was never call or contact out side of XXXX emails. I attempted to call the customer service only to be deferred to the support chime email. I contacted Chime through intsagram and XXXX only to get the same prompt telling me to expect an email regarding the matter. on monday XXXX XXXX 2022 i received and email form customer support to send documents stating my case " Thanks for reaching out to Chime Member Services. Let me inform you that I was able to see that Chime has identified loads to your account not in compliance with its internal policies & the member agreement executed at enrollment. 

To potentially access any remaining funds, send govt ID, secondary ID OR proof of address, an explanation, & any docs you have verifying the source of the account loads & yourself as the intended recipient. '' I sent XXXX government ids, a list of my recurring deposits and returns from the last 3 months. and was told to wait 2-3 days to be updated. As XXXX pm XX/XX/XXXX I had not received anything prompting me to send another email only to be told " I apologize for the inconvenience of this situation. Unfortunately, for security reasons, Chime is unable to disclose further information about the closure of your account. For full details, please reference the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : https : //www.chime.com/policies '' I have read this article thoroughly and determined none of my actions violated their user agreement. as I thought this was a simple mistake ii assumed it would be handled as chime had exhibited excellent customer service to that point. But Chime has be been purposely making this process impossible to deal with via normal means of communication. I've learned many others has experienced the same issue as a part of their fraudulent activity security system. I read their agreement nothing I've done is in violation. All deposits ive made were repeat transactions over the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
Do NOT buy Vanilla Gift Cards- they are NOT SECURE, horrible customer service and there is absolutely no guarantee that you will be able to use any card purchased. Received a {$100.00} Vanilla Visa virtual gift card via email through secure company email in XX/XX/XXXX. Virtual card has expiration date of XXXX/XXXX. Tried to use the card for first time XX/XX/XXXX and transaction declined. Called card issuer XXXX  of XXXX, GA XX/XX/XXXX and filed complaint. Transactions shows 20 {$5.00} XXXX XXXX charges made at exactly same date/time in XXXX to wipe out balance. I did NOT authorize or make the charges. No one else had access to my card number or the email received. I completed complaint form PDF and submitted to issuer XXXX XX/XX/XXXX. Followed up XX/XX/XXXX as I haven't received confirmation of complaint. First call disconnected. Called back and started over. Told to call back after 3 days to check status ; could NOT confirm receipt of any complaint. Call back XX/XX/XXXX - again told to call back after 72 hours. Finally acknowledged that they received my original complaint. 
If I did NOT authorize or make the transactions or give card access to anyone, it's obvious that this issuer either has internal security compromises or has been hacked for others to fraudulent use cards. For an issuer of pre-paid VISA cards, this is a HUGE issue that shouldn't take months to actually resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Esusu, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I paid {$100.00} for an ongoing credit reporting service from Esusu Financial , Inc . They claimed that they would provide the credit bureaus with monthly rent payment information. This purchase included a historical rent payment report for the past 24 months. 

On XX/XX/XXXX, I paid {$80.00} for the same service for my spouse ( historical rent payment report for previous 24 months and ongoing monthly rent payments ). 

As of XX/XX/XXXX this has not been completed as promised. Monthly rent payments have not been reported for several months and there is a complete and total absence of any information - including the historical 24 months of rent payment- on any of my spouse 's credit reports.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28 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: GA

Complaint narrative:
Experian credit reporting is still reporting on my credit 2 fraud acct on my credit report I was a victim of Identity theft/fraud a police report was filed

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 2022-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
As of today, Chase bank STILL possesses XXXX dollars of mine, as they declined an account opening. They couldn't verify me. They never asked for ANY proof of ID. YETsent me a debit cards and a confirmation it's opened. Chase is illegally in possession of my money, either contact me today by phone with resolution, or I will file charges. I received a call yesterday, and the rep hung up on me. After calling back, she had " left for the day ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the FCRA, credit reporting bureaus can block information from credit reports if the information is in dispute of fraud and/or if identity theft occurs. This is not a complaint but rather asking that while there's an ongoing investigation with XXXX XXXX XXXX XXXX that the credit bureaus block all disputes under investigation until the investigative disputes are completed.

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 2022-01-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am having a issue with a bank. They have increased my balance to {$44.00} dropping my credit score significantly XXXX points. I make payments and it doesn't update. Saying payment is still due. I'm not happy with this issue. I called and spoke to someone named XXXX from capital one and she was not helpful. I make my payments on time and they claim they report on the 24th over month but I find It suspicious that a company took payment off of my card unauthorized causing my balance to exceed over XXXX not {$44.00}. Once I pay off my balance next week I am not using capital one ever. They will destroy your credit and not offer any type of reasonable accommodation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the FCRA, credit reporting bureaus can block information from credit reports if the information is in dispute of fraud and/or if identity theft occurs. This is not a complaint but rather asking that while there's an ongoing investigation with XXXX XXXX XXXX XXXX that the credit bureaus block all disputes under investigation until the investigative disputes are completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: MD

Complaint narrative:
Transunion credit report is currently inaccurately a student loan : XXXX XXXX  : XXXX XXXX Last reported XX/XX/2020 {$8400.00} Reported balance This account was transferred to XXXX for servicing has a much lower balance, and should be deleted from my credit report In addition, Transunion is inaccurately reporting missed payments. There have never been any missed payments on my student loan account. 

See attached for a loan servicing letter documenting the transfer of the loan to XXXX for servicing.

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 2022-01-28 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXXhree negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXXn cant provide to myXX/XX/XXXX daughter PLEASE HELP ME PLEASE

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 2022-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
XXXX dollars was withdrawn from my savings account with Wells Fargo from Wells Fargo location ATMS across XXXX XXXX, CA, from XX/XX/2021 to XX/XX/2021, in 5 transactions, despite me living and using my debit card during that time in XXXX XXXX, MO. My debit card was not stolen, nor did I give anyone my PIN. As soon as I realized the fraud, I filed a claim with Wells Fargo. They eventually denied the claim despite the fact that this was clearly fraud. 

I tried to reopen the claim and file complaints, but have gotten conflicting reports about whether they will reconsider it. They seem very skeptical of the fraud because my debit card wasn't stolen and I hadn't disseminated my PIN, but I also know that pins can be stolen and clone cards made. I eventually called the branches of Wells Fargo where my money was stolen, and I spoke to a helpful manager who offered to file an executive office complaint. I am still waiting to hear back on that complaint 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 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The XXXX XXXX XXXX violated my consumer rights by reporting inaccurate alleged late payments. Fair Credit Reporting Act said information should be reported accurately, because it could and has been damaging to my financial wellbeing and my reputation. I have alleged late payments that are inaccurate being reported on my consumer report. FCRA said that report containing information solely as to transactions or experiences between the consumer and the person making the report shall be excluded from my account. These alleged late payments should be removed from my account immediately and that by me making the credit reporting agencies aware of these violations, if the continue to violate the law and my rights it is willingful noncompliance. These alleged late payments should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc
State: CO

Complaint narrative:
Phone number is my old phone number. 
And my address needs to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: ADP Inc.
State: CO

Complaint narrative:
I got issued paycard from my employer and and was not able to actually is able to access my phones to funds Because my social security number was entered and wrong I have submitted several documents including social social ID personal care to try to get over the past few weeks with with no help or resolution resolution from the situation Their company for a pay card was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: National Credit Adjusters, LLC
State: OH

Complaint narrative:
The issue has been ongoing since XX/XX/XXXX. There was XXXX  negative items showing on my credit report that were fraudulent and I had no knowledge of the creditor on my credit report. 
1. XXXX XXXX XXXX XXXX $ XXXX Collection Agency _ original debtor ( XXXX XXXX  ) 2. XXXX XXXX XXXX XXXX $ XXXX XXXX _ original debtor ( XXXX XXXX  ) 3. XXXX XXXX XXXX XXXX Collection Agency_ original debtor ( XXXX ) I contacted XXXX, XXXX and XXXX and file a dispute with them around XX/XX/XXXX. They all conducted investigations, XXXX and XXXX cleared the item from my account, however XXXX did not, XXXX state that the creditor meet FCA guideline, which was odd as the other to agency did not feel that they did, so I begin to investigate on my own around XX/XX/XXXX and find out that. 
1. Both the XXXX XXXX XXXX collection were from a company call XXXX XXXX, I phone XXXX XXXX and was able to determine that someone used my information to obtain furniture, but the original application didn't had my correct social security number, XXXX use the a copy of licenses the perpetrators had given them at the time of application to gain my information ; I also found out the debt was over 7 year old. but the Collection agency is reporting as this debt occurred in XXXX. I contacted XXXX with the information I had obtain and they still refused to remove the item stating that there investigate result state that the credit meets the FCA guideline. 

2. National Credit adjuster, was contacted by me on XX/XX/XXXX, they were not able to give me information on the outstanding item because they said my information I gave them did not match there record, they also have report the item as being initiated in XXXX and XXXX bank has confirmed the item was older than XXXX but could not talk to me further because my information only partial matches their information in the file. Since the remove of this item from my XXXX report, National Credit Adjuster has once again place the negative item on the XXXX and XXXX report. No one want to talk with me because they say my information doesn't match what on their file, however they are placing a negative item on my file, how is this possible if they don't match accordingly to the third party collection agency.

Company response to consumer: Closed with explanation