vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX XXXX. 

XXXX. XXXX XXXX XXXX Bank Account # XXXX - Have disputed multiply times with all XXXX XXXX Equifax and XXXX. Equifax could NOT verify the account and deleted it. This account is also marked as closed but is still reporting a balance of {$510.00} XXXX nor XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 

XXXX. XXXX XXXX XXXX Account # XXXX Have disputed multiply times with all XXXX, Equifax and XXXX. Equifax XXXX XXXX could NOT verify the account and deleted it. This account is still reporting a balance of {$850.00} and is reporting as an open collection. 
XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX XXXX Account # XXXX - Have disputed multiply times with all XXXX, Equifax and XXXX. XXXX XXXX XXXX could NOT verify this account and deleted it. This account is also marked as closed but is still reporting a balance of {$1100.00} Equifax failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX XXXX Account # XXXX - Have disputed multiply times with all XXXX, Equifax and XXXX. XXXX & XXXX could NOT verify the account and deleted it. This account is also marked as closed but is still reporting a balance of {$110.00} and a past due balance of {$110.00} Equifax failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX Account # XXXX - Have disputed multiply times with all XXXX, Equifax and XXXX. Equifax XXXX XXXX could NOT verify the account and deleted it. The last time the status of this account was updated was XX/XX/XXXX. Its XXXX of XXXX and XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 



AND I also have NEVER worked at XXXX XXXX nor XXXX XXXX I work for XXXX & XXXX Carriers AND The following inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Delete these accounts immediately, unless you want to be held {$1000.00} per violation. 

I have also mailed letters to the FCDPA and XXXX and each creditor and each credit bureau. This is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose

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 2022-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I believe that it was a mistake to close my Paypal account. I am using my Paypal account for my online business as a seller in online digital business since XX/XX/2022 and this is my first transaction in my Paypal account. XXXX XXXX XXXX has stucked fund in it that I have to withdrawn asap for emergency purposes. And I am hoping that I wil getback my account and able to withdraw and deposite my funds on it. Thank You and Godbless. 

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax refuse to correct my name. I have repeatedly disputed this and they delete it and put it back on. Equifax has my husbands suffix mistakenly mixed up with my name on my credit file. I am receiving mail with my name incorrect. My name is XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXXXXXX My Maiden is XXXX. I have submitted my passport and other credit agencies with the correct spelling of my name. 
Please Equifax correct my name for the hundredth time I AM NOT A XXXX!!! I only have this problem with Equifax and no other credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 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: CA

Complaint narrative:
On XX/XX/2022 I had lost my phone and when I got my device replace I checked my Chime account and there was 3 unauthorized transactions totaling {$1000.00} using a feature Pay Friends to a unknown person that I do not know. I reported and filed a claim with Chime as soon as I saw the transactions I found out and a few days later Chime responded back that only 1 transaction of {$400.00} was in error but the other 2 unauthorized payment that were sent to the same unknown person was denied. I continued to explain that their investigation conclusion didnt make any sense since all 3 payments were made to the same person but only 1 was found in error. I told Chime that I would make a complaint to the CFPB and a few hours later I got an email stating that Chime has identified activity on my account that is not in compliance with its internal policies and my account will be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Without my written consent, Navy Federal has been furnishing negative information to my consumer report as means of coercing me to pay an alleged debt of {$1600.00} and further extort me and cause harm to my credit reputation. Navy Federal has been furnishing nonpublic personal information to my consumer report/file and is in direct violation of 15 USC 6801. Furnishing late payments without my consent is a direct violation of 15 USC 1681-S2. Pursuant 15 USC 1681b ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. It is a fact ; I have never given Navy Federal any written instructions to furnish any information to my consumer report. Navy Federal has violated 15 USC 1666 and closed my credit card account without validating or verifying any of the alleged missed or late payments ; which are in fact billing errors. Navy Federal has failed to clarify or correct these billing errors. Navy Federal has violated 18 U.S. Code 894, which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. It is a fact ; Navy Federal has chosen to punish me for nonrepayment of this extension of credit by closing my account. Navy Federal is not in compliance with 15 USC 1692e. Navy Federal has been sending me false and misleading bills/statements in a positive amount knowing that a person can not make a payment on a positive balance. The alleged amount due or past due should appear in the negative, to show when credits have been posted in the positive amount bringing the total due amount to zero further reflecting a XXXX balance owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had and have credit freezes on the 3 credit bureaus accounts. There was a fraudulent request from XXXX XXXX for a credit card on XX/XX/06. 
There was no effort by me to allow the credit check by XXXX XXXX on the Transunion, XXXX, and XXXX sites. The accounts were " frozen. " Yet, all three bureaus while the accounts were on freeze status released my data. The card 's limit was almost maximized within a few weeks. XXXX XXXX has closed the account due to suspicious and abnormal activity. 
They have been almost impossible to get a real fraud investigation started to verify this crime.

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 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had and have credit freezes on the 3 credit bureaus accounts. There was a fraudulent request from XXXX XXXX for a credit card on XX/XX/06. 
There was no effort by me to allow the credit check by XXXX XXXX on the XXXX, XXXX, and Equifax sites. The accounts were " frozen. " Yet, all three bureaus while the accounts were on freeze status released my data. The card 's limit was almost maximized within a few weeks. XXXX XXXX has closed the account due to suspicious and abnormal activity. 
They have been almost impossible to get a real fraud investigation started to verify this crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had and have credit freezes on the 3 credit bureaus accounts. There was a fraudulent request from XXXX XXXX for a credit card on XX/XX/06. 
There was no effort by me to allow the credit check by XXXX XXXX on the XXXX, Experian, and XXXX sites. The accounts were " frozen. " Yet, all three bureaus while the accounts were on freeze status released my data. The card 's limit was almost maximized within a few weeks. XXXX XXXX has closed the account due to suspicious and abnormal activity. 
They have been almost impossible to get a real fraud investigation started to verify this crime.

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 2022-06-09 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: MO

Complaint narrative:
I HAVE SUBMITTED A DISPUTE 3 TIMES ALREADY WITH ALL THREE CREDIT BUREAUS AND ONLY ONE BUREAU REMOVED THIS BANKRUPTCY FROM MY CREDIT FILE. I ASKED FOR PROOF OF HOW THEY VERIFIED THIS INFORMATION AND STILL NOTHING. THESE CREDIT BUREAUS ARE NOT PROPERLY DOING THEIR JOB. I HAVE SENT ALL SUPPORTING DOCS TO THESE BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: Self Financial Inc.
State: TX

Complaint narrative:
Hi, yesterday on XX/XX/2022, I received a credit alert from XXXX. I immediately called XXXX and XXXX for fear of fraudulent activity. I emailed XXXX also, but the response was incomplete. I locked all three credit reports. Since XXXX is a paid service, I paid {$21.00} to have access to the locking feature. XXXX told me that this has happen to many people, but how did they get access to my account information when I was never a customerof theirs? It seems as if Self purchased XXXX. They sent an update yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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 XXXX XXXX # XXXX and XXXX XXXXXXXX Acct # XXXX and 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose

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 2022-06-09 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 XXXX XXXX # XXXX and XXXX XXXXXXXX Acct # XXXX and 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXXXXXX, has violated my rights. 


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 a account without my written instructions I also have some inquiries on my credit report that I didn't authorized and unaware of.

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 2022-06-09 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I have filed a dispute with XXXX, XXXX and XXXX. and they have ignored my concerns. This account is not reporting 100 percent accurate. there for according to the FCRA it needs to be deleted immediately. 

NAVY FEDERAL CR UNION- Under

15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. I HAVE INCLUDED PICTURES AS WELL. I HAVE ALSO CONTACTED THE XXXX  AND ATTORNEY GENERAL. THIS IS MAKING MY CREDIT TO BE HURT AND CAUSING ME TO PAY MORE IN FEES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: NC

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 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 a account without my written instructions

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 2022-06-09 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: MI

Complaint narrative:
I have filed a dispute with transunion, XXXX and XXXX. and they have ignored my concerns. This account is not reporting 100 percent accurate. there for according to the FCRA it needs to be deleted immediately. 

XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

I HAVE INCLUDED PICTURES AS WELL. I HAVE ALSO CONTACTED THE XXXX AND ATTORNEY GENERAL. THIS IS MAKING MY CREDIT TO BE HURT AND CAUSING ME TO PAY MORE IN FEES.

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 2022-06-09 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: MI

Complaint narrative:
I have filed a dispute with XXXX, XXXX and Experian. and they have ignored my concerns. This account is not reporting 100 percent accurate. there for according to the FCRA it needs to be deleted immediately. 

XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 


I HAVE INCLUDED PICTURES AS WELL. I HAVE ALSO CONTACTED THE XXXX AND ATTORNEY GENERAL. THIS IS MAKING MY CREDIT TO BE HURT AND CAUSING ME TO PAY MORE IN FEES.

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 2022-06-09 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Re : Notice of disputed charge to Account No. XXXX XXXX XXXX XXXX To whom it may concern I am writing to dispute a charge of {$1400.00} to my credit card account on XX/XX/2022. The charge is in error because, I was scammed through a phishing scam. Someone claiming to be my boss asked me to purchase gift cards on their behalf and when I realized it was fake it was too late. I tried to return, stop charges but they had already spent the cards. I've filed a police report, contacted credit card company, XXXX, XXXX and XXXX to try to get support against the scam. Unfortunately, Chase Bank will not allow me to dispute the transaction because although I was scammed, they are not willing to allow for a dispute. The txt person/scammer did promise to refund my money but it's a dead end. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 

I had three charges made to my account {$500.00}, {$500.00}, {$400.00}. Please help me get back my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX  XXXX, has violated my rights. 


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 a account without my written instructions I also have some inquiries on my credit report that I didn't authorized and unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX, has violated my rights.

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 a account without my written instructions I also have some inquiries on my credit report that I didn't authorized and unaware of.

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