vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XXXX XXXX I received a email from chime stating that my account had been closed. They didnt send me any email prior letting me know that this would be happening. When I reached out to chime customer service I spoke with a representative and a manager. The manager stated that she also didnt see why my account had been closed and that she didnt see anything that was sent out to my address or email before hand letting me know that they would be closing my account. The only resolution she gave me was for me to email chime support department for some kind of answer since they dont have a phone number. I sent a email to them for them to say that I didnt meet the deposit agreement in which I knew was a lie since I had just had my tax refund deposited into the account on XX/XX/2023 not even 30 days ago. I let them know that I was waiting for a refund to be sent to my chime account and ask for them to reopen it. The only reply I received back was that I would receive a check in the mail in 30-45 days for the funds in my account. No one has emailed me back since then. I banked with chime for over 3 years and never in my life have I dealt with something so unprofessional before. This has inconvenienced me in so many ways and they dont even care. Im unable to get my money out of my account they didnt even give me proper notice so I could have moved my money. Now I cant pay my bill until I receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-03-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
The FCRA requires credit reporting agencies to furnish information that is accurate and complete. I have repeatedly highlighted the following major inaccuracies pertaining to this XXXX XXXX XXXXXXXX Account XXXX on my Equifax credit report, which blatantly violates the FCRA XXXX 

DELETE : XXXX XXXX  XXXX ( Account No. XXXX ) for FCRA violation because of the following errors : The Account Status is INCORRECT. This account is PAID, settled in full on XX/XX/21. ( document attached ) and should not be listed as DEROGATORY.

The attached proof shows it was paid/settled in full on XX/XX/21, so why is Equifax continuing to report new payment history? 
The High Limit is INCORRECT. The other credit reporting agencies show something different. 
The Credit Limit is INCORRECT. The other credit reporting agencies who different information.

The Account Number is INCORRECT. The other credit reporting agencies show different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I am writing this complaint to SAGESTREAM I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 
My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Services Inc
State: NJ

Complaint narrative:
XXXX XXXX from XXXX Collections started harassing me via text message to my phone on XX/XX/2023 regarding a debt he claimed I owed. He threatened to report this debt to a credit bureau. I told him he was mistaken but he insisted that I had not paid for services rendered. This statement was completely false. Neither the doctor 's office nor the doctor 's billing department was able to provide any information regarding an unpaid debt. XXXX XXXX continued to harass me with the false claim of unpaid debt. I contacted my insurance company and was told that at no time was any doctor 's bill denied payment. The doctor 's office told me that the office no longer works with XXXX XXXX and suggested it was because of his unethical behavior. The office manager from the doctor 's office told me to disregard any contact from XXXX XXXX, who continues to claim I have unpaid debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or the list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1

5 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-17 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/2023 : XXXX XXXX in the amount of {$290.00} from one of my employers ( XXXX XXXX XXXX XXXX ) was made. The deposit was later rescinded due to the incorrect amount being deposited. I never touched the funds because I knew the amount was incorrect. Once my employer cancelled the transfer, Cash App closed my account and all services to the card and account which include direct deposit transfers. I was given the option to cash out which in my attempt to do so is unsuccessful. I went through the account verification process and now it is saying my other account can not be linked because it does not support it, however, the debit card that I previously had linked to the cash app account and the same banking institution that I am attempting to link allowed me to do so. So now, not only will I not receive my direct deposits from my other employer I can not even access the funds that are available on Cash App. They closed my account and are now holding my funds hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2023, I sent three dispute letters to all three bureaus asking them to validate my debt about an item on my credit report. Transunion sent me back a letter on XX/XX/XXXX, letting me know they want to help me ensure my report is accurate. On XX/XX/XXXX, XXXX sent me a letter stating that the investigation results would be removed. And XXXX never returned anything from when I sent out the letter 30 business days ago. To my understanding, I've been told that inaccurate information on a consumer 's credit report must be removed if it is not 100 % substantiated. This affects my chance of getting my dream car and relocating to housing.

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 2023-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX I sent a deposit to a cat breeder for a maine coone cat. I found the group on XXXX, contacted the seller XXXX XXXX, she vetted me and answered all my questions. I sent her half, {$600.00}, of the {$1200.00} that was the agreed upon price of the cat with delivery. 
On the day the cat was to be delivered, XXXX XXXX, she messaged saying her child was in the hospital and that she would be a transport service. She informed me they would reach out soon with tracking information. I received a text message with invoice, tracking, and the website to track the cat. I then get a text message from the company stating I need to pay {$500.00} for a temperature controlled carrier, and that the funds would be refunded upon delivery. I was hesitant at first and contacted the seller, she reassured me that I would get my money back at XXXX when the cat was delivered. So I paid the {$500.00}. A few hours go buy, and then the transport company texts me I need to pay another {$450.00} for insurance. At this point I let them know that I would like to cancel and that I will not be paying any money. They contacted the seller, where she proceeded to call me a liar and say I needed to pay. I did not. Than we came to an arrangement of me paying {$100.00} and her {$350.00}, once I paid, her profile was immediately deleted. The tracking number I was given, was no longer valid. And neither is the website or phone number. 
I have been fighting with my bank to prove this was a scam even after sending them all the screen shots of the conversations. They keep denying it saying I paid friends. When i asked to see the documents they used in their decision, it is not any of the documents I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XX/XX/XXXX I opened a checking account with Citibank using a Member XXXX XXXX Checking Offer ( see attached confirmation email with terms and conditions ). 

XXXX & XX/XX/XXXX I fulfilled the requirements of the offer for XXXX XXXX XXXX See attached statements. 

XX/XX/XXXX I called Citi to confirm that I've met the terms of the offer and haven't received the miles. I was told that the miles would be deposited in my account by XX/XX/XXXX. See attached call log from XXXX. 

XX/XX/XXXX I called Citi again and was told an investigation would be opened and given reference number XXXX. 

XX/XX/XXXX I received a letter stating that Promotion Code XXXX ( a code that I have never seen before ) was not offered in conjunction with my account, and a request to " provide a copy of the Promotion Disclosure ''. See attached letter. 

XX/XX/XXXX I tried repeatedly via Citi Live Chat, XXXX, and several phone numbers to provide such Promotion Disclosure. No one was able to help and I was constantly transferred to different departments.

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 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM INTERESTED IN PROCESSING DISPUTES FOR ALL INACCURATE INFORMATION ON MY CREDIT REPORT WITH EQUIFAX. PLEASE REVIEW ALL DATA THAT IS HINDERING MY FILE & REMOVE ALL LISTED ITEMS ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
CFPB has already intervened to have this debt resolved, but the original company, XXXX XXXX XXXX, has sent it to another debt collection agency, despite confirming that the debt was the result of their error. 

My complaint is this : XXXX XXXX started service at an address in another state and incorrectly assigned it to my account. I received a first bill, at which point I contacted them to say the service address was not mine. Then I received a final bill for {$110.00} for the same incorrect address, and again contacted them to say it was not mine. I just received a letter from a debt collector for the amount of the final bill. The attached is a copy of the final bill. I have no connection to this property ; I have never been to and do not know anyone in XXXX, SC. 

The first debt collection company, XXXX XXXX XXXX confirmed that the debt was in error and deleted it from their system. It now seems to have been passed to another debt collector, Online Information Services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or the list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-03-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or the list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CT

Complaint narrative:
I am on a forebarreance from XX/XX/XXXX thru XX/XX/XXXX. I have been granted a $ XXXX pay off of the 12 month forebarreance and 6 month mortgage payments per XXXXXXXX XXXX. I received a call from XXXX XXXX of XXXX in XXXX of XXXX advising me of the grant amount. At that time she said my 12 months past forebarreance of then $ XXXX and the remainder of the $ XXXX for the six months going forward of mortgage payments of $ XXXX was over {$700.00}. She indicated I needed to pay that before she could make any payments of the forebarreance check or the remaining $ XXXX going forward. I paid that overage of {$700.00}. She requested a letter from Flagstar Bank for their paid invoice. Next I got a call from her approx 2-3 weeks later telling me I now needed to pay {$3500.00}. She said that Flagstar said I needed to pay that as the overage. I paid that. I called XXXX of XXXX to tell her I paid it and she sent out another letter/invoice from Flagstar for an update that I paid that. Approximately 2 weeks later XXXX called me back on Monday XX/XX/XXXX telling me I now had to paid {$3300.00}. I now began to inquire with XXXX of XXXX and Flagstar to why is there a continuous balance when I started with {$700.00}. My forebarreance is not paid. My forclosure will begin XX/XX/XXXX. XXXX XXXX now said if I pay the {$3300.00} she requested since I complained of this cat and mouse chance of overages she wouldnt ask for anymore balances. 

Something is very very wrong in this. There is no reason why XXXX didnt pay the grant since I cooperated and paid 2 payments and the 3rd payment is from what Im told the XXXX mortgage payments from XXXX and staff of Flagstar but another Flagstar staff XXXX told me it was XX/XX/XXXX mortgage payment which would have been part of the forebarreance. 

I contacted the XXXX XXXX XXXX  attorneys who XXXX XXXX sent me an email telling me this is an issue happening with XXXX and mortgage companies. I have this email. 

I received a letter from Flagstar dated XX/XX/XXXX they will be foreclosing on my property on XX/XX/XXXX. 

I have questioned XXXX XXXX as to why she is continuing to not pay the grant and she blames is on Flagstar. Flagstar is blaming XXXX. 

I need someone to help in this. 

Best XXXX XXXX XXXX Flagstar has had other complaints filed against them with you. Its a XXXX case that I have a copy of that is similar to this.

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