vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 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: Debt Recovery Solutions, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX Debt Recovery Solutions , LLC XXXX XXXX XXXX XXXX XXXX NY XXXX To whom it may concern : I am writing to you because you are reporting inquiries on my credit report that I do not recall. 
Please see items listed below : Debt Recovery Solutions , LLC Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: NY

Complaint narrative:
Yesterday XX/XX/2023 I registered a checking account from the keybank website and did a required opening deposit of {$10.00}. Then this morning when I got home from work and tried to log in to my account, I received " Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX. '' Then I tried to call the customer service number and they said either I go to the branch email to submit the required verification documents. I said that it is inconvenient for me to go to your branch because there is only one key bank in the whole New York and it is extremally far away from me. In addition, I XXXX XXXX XXXX XXXX XXXX XXXX so I have no time or chance to go there. So I chose to submit the documents they needed in the form of Email, and then the customer service told me to hold for a while, after she came back and said no, I had to go to their branch. I said that I will close my account directly, I dont want it anymore, and I dont want to go so far, they said that whether you want to close or unlock the account, I have to go to their branch. I XXXX it and found that many people like me opened their account on the first day and were locked on the second day and asked to go to a branch far away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am showing a collection from XXXX XXXX  on my credit reports. It is for XXXX XXXX Apartments. I lived in the apartments in XXXX and did complete the terms of my lease. For some reason they decided to try to evict me in XXXX after I had already moved out years earlier. They tried to take me to court and it was dismissed because they did not show up. Noone has been able to show me any lease or anything that I signed past my initial lease in XXXX. I keep reporting it to the credit bureaus and nothing gets done with them either. I have sent the paperwork to all involved parties. They just now put it on my credit in XXXX like it is a new debt. I am being denied credit to move into a new apartment now because of this. My information has been involved in the data breach from the credit bureaus as well. Noone will do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am showing a collection from Pro Collect on my credit reports. It is for XXXX XXXX XXXX. I lived in the apartments in XXXX and did complete the terms of my lease. For some reason they decided to try to evict me in XXXX after I had already moved out years earlier. They tried to take me to court and it was dismissed because they did not show up. Noone has been able to show me any lease or anything that I signed past my initial lease in XXXX. I keep reporting it to the credit bureaus and nothing gets done with them either. I have sent the paperwork to all involved parties. They just now put it on my credit in XXXX like it is a new debt. I am being denied credit to move into a new apartment now because of this. My information has been involved in the data breach from the credit bureaus as well. Noone will do anything.

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 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/2023 my phone was stolen. Unfortunately my phone was not password protected and in the notes section of my phone I have all my bank login info stored. 

I have a checking and savings account with CHIME Bank. Now through chime mobile app you can view your card, add it to XXXX XXXX and etc all while not having the physical card on hand! 

The person who stole my phone proceeded to login to my checking account which is CHIME. They then transferred money out of my savings into my checking account and made multiple transactions totaling alittle over {$800.00}. 

Once the transactions settled I proceeded to dispute the charges which was on XX/XX/2023. 
Chime did two separate disputes for these charges!

All together there were 4 fraudulent charges.On one dispute it was only ONE charge in the amount of {$660.00} while the other dispute was for the remaining 3 fraudulent charges that equaled to {$130.00}. 

Today on XX/XX/2023 I received XXXXwo emails from chime with dispute results! One email stated chime will refund the dispute with the 3 charges for {$130.00} due to them finding an error, the other email stated they WILL NOT refund the other dispute for {$660.00} because NO ERROR OCCURRED Please be mindful all charges are from the same company! If you find an error in XXXX of the charges, why not the other if they were made by the same company? They also didnt send any documents to explain the investigation. 

CHIME IS LETTING FRAUDSTERS STEAL YOUR MONEY AND NOT DOING THE PROPER RIGHT THING TO REFUND YOU! 

I also attached proof of my replacement device being shipped to show I really did lose my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: CA

Complaint narrative:
LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681 Quick search by citation : Title enter title Section section 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Accounts name : XXXX XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account number : XXXX These companies have violated my rights listed above.

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 2023-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I set up auto pay in XXXX, but the billing did not occur until XXXX and another payment was submitted in XXXX. The payment for XXXX was never actually submitted at the time of my auto payment subscription. I spoke with the bank ( Vystar credit union ) and paid my XXXX bill. They refunded me the late charges and said to submit a dispute here to get it off my credit.

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 2023-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I tried to sign up online to pay the bill and the account number is not obvious on the bill. List as XXXX. I missed the payment due to not being able to register. When I called the company they pointed it out that it is listed in some obscure place, while beling listed on the bill as XXXX in two different places. I believe they do this on purpose to change a late fee and make more money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-04-19 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: CA

Complaint narrative:
According to the FCRA my credit report is supposed to be fair and equitable. The 3 CRA 's are reporting negative and inccurate accounts on my report > None of the reports match and they all should if the information was correct. Nothing is supposed to be furnished on my credit report without my consent.15 usc 1681b. And according to the US Constitution the only way you can pay a debt is with silver and gold, and since there is no silver and gold. Trans union is the worst in accuracy. 15usc1681e ( b ) 15usc1681a ( 2 ) ( B ).

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 2023-04-19 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: CA

Complaint narrative:
According to the FCRA my credit report is supposed to be fair and equitable. The 3 CRA 's are reporting negative and inccurate accounts on my report > None of the reports match and they all should if the information was correct. Nothing is supposed to be furnished on my credit report without my consent.15 usc 1681b. And according to the US Constitution the only way you can pay a debt is with silver and gold, and since there is no silver and gold. XXXX XXXX is the worst in accuracy. 15usc1681e ( b ) 15usc1681a ( 2 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: CA

Complaint narrative:
According to the FCRA my credit report is supposed to be fair and equitable. The XXXX CRA 's are reporting negative and inccurate accounts on my report > None of the reports match and they all should if the information was correct. Nothing is supposed to be furnished on my credit report without my consent.15 usc 1681b. And according to the XXXX XXXX the only way you can pay a debt is with silver and gold, and since there is no silver and gold. XXXX XXXX is the worst in accuracy. 15usc1681e ( b ) 15usc1681a ( 2 ) ( B ).

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I paid Experian XXXX to keep my credit updated. 
Within in 24 hours my credit report has wrong information on it I try to call them about the matter, but the 2nd time they would not take my call This company mislead me to think they could help with my credit They have managed to make matters worst. 
Account were not updated XX/XX/XXXX, for XXXX XXXX XXXXXXXX Payments on other accounts not updated My phone number on my personal account was wrong, which they are using my phone number XXXX XXXX XXXX to contact me I never used this phone number and the information on the accounts are wrong They put a new credit card on my file which I told them to cancel XXXX XXXX XXXX the last time this account was update was XX/XX/XXXX In good standing Date opened XX/XX/XXXX Balance - Status Open/Never late. 
XXXX  XXXX XXXX In good standing Date opened XX/XX/XXXX Balance {$6400.00} Status Open/Never late. 
XXXX  XXXX In good standing Date opened XX/XX/XXXX XXXX {$2700.00} Status Open/Never late. 
XXXX XXXX In good standing Date opened XX/XX/XXXX XXXX {$4000.00} wrong Status Open/Never late. 
XXXX XXXX  In good standing Date opened XX/XX/XXXX XXXX XXXX XXXX Status Open/Never late. 
XXXX In good standing Date opened XX/XX/XXXX XXXX {$0.00} Status Open/Never late. 
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 2023-04-19 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: CA

Complaint narrative:
I am writing this complaint against TransUnion Credit Bureau for allowing fraudulent inquiries on my credit report. The dispute letter including my Identity Theft Report was mailed out and delivered to them on XX/XX/2023. My identity Theft report number is XXXX which I have included in the attachments below. As I checked my recent credit report, the unauthorized hard inquiries are still being reported. They were supposed to protect my information, but how come to these unauthorized hard inquiries are in 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 2023-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc.
State: AL

Complaint narrative:
ARl resources INC collected {$610.00} from me which was an ID theft. Please stop charge me for the {$610.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: FL

Complaint narrative:
I have filed a dispute with this company even filed my identity theft report fringe FTC and they still will not delete the fraudulent inquiries even after creditor notified them to do also they totally ignored everybody request. This was as recent as XX/XX/XXXX I believe I've even wrote too the attorney general 's office but still no help

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 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have disputed two transactions with Chime Bank where the products/services were not provided and the company refused to issue a refund. Chime claims to investigate the disputes, but doesnt. When I submitted rebuttals and requested their investigation documentation, they refuse to provide the documentation or further investigate the claims. I dont hear back despite repeated emails. With the most recent dispute, I was told the documentation would be provided within 10 days, which was over a week ago and then extended further and they still havent sent the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start a new job that these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start a new job that these issues are making more difficult than it should be.

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 2023-04-19 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: FL

Complaint narrative:
On the first attempt, I tried to correct a matter of accurate information in the credit report. The issue at hand was of a paid debt, not showing in the credit report accurately on the date of settlement. There are multiple charge offs on multiple months and years when they should only be one on the initial date of write off. The credit agency Equifax are not taking the steps to eliminate these inaccuracies on their most recent, resolved, completed dispute investigation. I provided documentation for every inadequacy in my report for specific creditor. The first charge-off was on XX/XX/XXXX. They are charge-offs every month between XX/XX/XXXX and XX/XX/XXXX on every month. they are also not marking the last day of payment as paid to agree on XX/XX/XXXX instead, it is marked as a charge off. This does not explain or indicate why the creditor or the agency hadto mark charge off multiple times which is damaging my credit, worthiness, and any chance of me getting a Home or obtaining credit. there should only be one charge off date because this is the date the creditor written off the amount I owed. Since then I made a settlement with the creditor, and I should have a chance to repair my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: MI

Complaint narrative:
I have been struggling to be able to get good rate to move into a better home but because of these fraudulent items on my report they are deterring my way of living and getting to a better lifestyle for me and my family. I have tried several times with these companies and they are refusing to remove the information. Please remove the following. 

XXXX - XXXX this account was never mine nor did I authorize this to be open or used my information without my consent. I have sent several request and they refuse to remove this. 

XXXX - XXXX - The information that is reported 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