vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
I woke up to a text from my bank, chime, and that there were XXXX charges from XXXX XXXX. I replied with no that the charges were not mine. The text responded that the charges were blocked. XXXX charges totaling {$830.00}. I immediately called chime and files a fraudulent charge case. They denied the claim in less than 24 hours. I called again and filed again on all charges and sent in a detailed rebuttal via email. I also recorded my second call with chime. They then said they would investigate more but could take up to 90 days. They then responded again and said call charges were found to not be fraud And it was a final decision. The charges hit until my account was empty. Back to back charges, and nothing in line with my spending history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Pursuant to 15 usc 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 usc 1692g ( a ) ( 1 ). 
Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated.

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 2022-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The account in dispute is with Citibank which sold the account to XXXX XXXX. 

The settlement was initiated in the amount of {$3000.00}. Citibank received a check # XXXX in the amount of {$3000.00} dated XX/XX/2019 on my behalf from XXXX, XXXX. In the note, it references Account # XXXX XXXX XXXXXXXX. 
The check ( # XXXX ) was deposited by Citibank on XX/XX/2019. 
I have a copy of the deposited check that shows proof of payment and deposit. Citibank has refused to acknowledge this payment. I have repeatedly asked Citibank to rectify this matter and they have refused to. Their response is they have to record. 
Citibank illegally sold this account to XXXX XXXX. They have continued to report false data. I have repeatedly informed XXXX XXXX that they are attempting to collect a debt that has been successfully paid. This is having an adverse effect on my credit and both companies refuse to properly reconcile this matter.

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 2022-10-01 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2022 I sent letter regarding inaccurate or unknown information on my credit report to this day over XXXX days plus later I have not received a response yet!! I feel I am being taking advantage of and or ignored of my disputes section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been well over XXXX  days so they should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted my the XXXX data breach and May have gotten into the hands of the wrong person.

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 2022-10-01 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX Pursuant to 15 usc 1692g ( a ) ( XXXX ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 usc 1692g ( a ) ( XXXX ). 
Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: PA

Complaint narrative:
I have been on auto-pay a very long time with XXXX. In XXXX of 2022 and XXXX of 2022 I contacted customer service to put me back on autopay. Both times they confirmed auto-pay was in place. 
On XXXX I paid XXXX in full for {$130.00} On XXXX XXXX reported me {$130.00} delinquent dropping my credit score 69 points. I have tried many ways to request they remove it from all credit bureaus. 
They have refused to do so. 
I have been denied credit because of this at least 6 times for new credit cards or debt consolidation or personal loans.

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 2022-10-01 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Error in reporting Bankruptcy without consent and proper debt validation. Also addresses are listed without consent.

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 2022-10-01 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:
After my information was leaked in the XXXX data breach I've been a constent victom of fraud. Listed below is my FTC report listing all the fraudulent inquiries that were not authorized by me.please delete all inquiries, they're not authorized and are fraudulent. XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, 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 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

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 2022-10-01 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: GA

Complaint narrative:
This account ending in XXXX was opened fraudulently. I talked too the original creditor and they have stated in a letter that they did a fraud investigation and determined I am not responsible for this debt. Attached is my FTC report and the letter from XXXX XXXX Bank stating I am not responsible for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: NC

Complaint narrative:
XX/XX/2021 a request for updated personal information was sent in to TransUnion. 
XX/XX/2021 after obtaining an updated credit profile it was brought to my attention that someone else 's information has been reporting on my credit profile. 
XX/XX/2021 Transunion was sent a failure to update P.I letter. CM : XXXX. 
XX/XX/2021 I filed a compliant with the CFPB Complaint ID : 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 2022-10-01 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: GA

Complaint narrative:
This account ending in XXXX was opened fraudulently. I talked too the original creditor and they have stated in a letter that they did a fraud investigation and determined I am not responsible for this debt. The debt was sold to another compony called XXXX XXXX XXXX. Attached is my FTC report and the letter from XXXX XXXX Bank stating I am not responsible for this debt

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 2022-10-01 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: GA

Complaint narrative:
I recently received a copy of my consumer credit report and I noticed some accounts that should not be there : XXXX XXXX XXXX XXXX XXXX EXPERIAN is in clear violation of the law, Under 15 USC 1681b - Permissible purpose of consumer reports, THE LAW CLEARLY STATES that 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. I did not give EXPERIAN written instructions to furnish this account on my consumer report. 

And further, EXPERIAN is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( A ), ( B ) and ( C ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
You have to give me three disclosures. I have not received three disclosures. Without these disclosures my information should not be in any consumer reporting agencies database. EXPERIAN did not disclose this information to me which is required by law, they knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non affiliated third parties, and they knowingly and willfully withheld information that explained how I the consumer can exercise that non disclosure option.

And further, EXPERIAN is not obeying Title V of the Gramm-Leach-Bliley Act.

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 2022-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have a loan modification that is serviced by Select Portfolio Servicing Inc.. 
My corrected email is XXXX I tried to update my profile but had trouble opdating it. 
I am supposed to have differed amount waived after XXXX consecutive payments, I have asked for several months including my attorney asked to be corrected over a year ago. 

They continue to refuse to correct and are using a delay tactic when I call them they tell me that I am incorrect about the deferred amount, I have submitted the loan modification documents several times and they continue to delay the process. 

They also failed to explain why there is a {$260.00} monthly fee under other charges and fees. 
" We are submitting your request to the appropriate department '' is their response. 

I have talked to other people who are having the same issues with servicing companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: AL

Complaint narrative:
XXXX XXXX XXXX has violated my rights. This account originated with XXXX and for privacy purposes the acct number XXXX was opened XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: GA

Complaint narrative:
This account ending in XXXX was opened fraudulently. I talked too the original creditor and they have stated in a letter that they did a fraud investigation and determined I am not responsible for this debt. The debt was sold to another compony called XXXX XXXX XXXX. Attached is my FTC report and the letter from XXXX XXXX Bank stating I am not responsible for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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:
This account ending in XXXX was opened fraudulently. I talked too the original creditor and they have stated in a letter that they did a fraud investigation and determined I am not responsible for this debt. The debt was sold to another compony called XXXX XXXX XXXX. Attached is my FTC report and the letter from XXXX XXXX Bank stating I am not responsible for this debt

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 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
On XX/XX/XXXX and again on XX/XX/XXXX, I asked Barclays to close my credit card account ( XXXX XXXX ). Note that I had previously paid my account in full and there was no outstanding balance at this time. 

My instructions were submitted to Barclays using their own proprietary email system. Screen shots attached. 

During XX/XX/XXXX, having failed to close my account as I requested, Barclays billed me a {$99.00} annual fee. 

I contacted them again on XX/XX/XXXX and told them that they had ignored my XXXX previous attempts to close my account and again ( yet again ) asked them to close my account. 

Today I received a letter from them dated XX/XX/XXXX stating that my account had been closed, but the {$99.00} fee is still in dispute status and asking me to pay this amount. 

I believe that Barclays deliberately make it as difficult as possible to close an account with them, so that they can continue to charge an annual fee. 

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 explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2022, XXXX unauthorized charges were fraudulently made to my Chase card, totaling {$2300.00}. I reported the charges to Chase, which initially reverse the charges before revoking their decision, claiming that I received benefit from the transaction. The charges remain on my account. 

Obviously, I had not made or authorized the charges my card information had been stolen and I had nothing to do with the transactions. I filed a police report with the XXXX XXXX Sheriffs Department ( permanent case number XXXX ) and further disputed the transaction by mailing a physical letter to Chase on XX/XX/XXXX. I used XXXX certified mail, tracking number XXXX XXXX XXXX XXXX XXXX XXXX in case they want to deny receiving it. The letter demanded that they provide me with the evidence they based their decision on, as the law requires them to do. They have not responded in any way. 
I also used their secure messaging service on their website on XX/XX/XXXX and XX/XX/XXXX to ask for a response. In both cases I got an automated we received your message with no subsequent human follow-up. 

On XX/XX/XXXX, I sent another physical letter. No response. 

In no case has Chase responded to any of my communication in any way whatsoever. 
Worse, Chase knows that the charges were in fact fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX Department told me via email ( screenshot attached ) that Chase has an investigation ongoing involving this suspect as it appears numerous cards were used through the digital wallet. 

XXXX says The creditor must acknowledge your complaint, in writing, within XXXX days after receiving it, unless the problem has been resolved. The creditor must resolve the dispute within XXXX billing cycles ( but not more than 90 days ) after getting your letter. The creditor has not acknowledged my complaint, in writing or otherwise, and they have not resolved or even acknowledged the dispute despite far more than XXXX billing cycles having elapsed. At this point Chase is both in violation of federal law and complicit in a two-thousand-plus dollar fraud against XXXX of their customers. I ask that you force them to resolve the situation as the law requires, and frankly I wouldnt mind if they pay an additional price for their unlawful behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: EQUIFAX, INC.
State: KS

Complaint narrative:
( 1. ) After a second review of my Equifax credit report I've found this Hard Inquiry which I did not consent to : XX/XX/2022 XXXX XXXXXXXX XXXX Please be advised these are not " Statement Of Fact '' .. FCRA Rules state that any information can be disputed and must be investigated. Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission. 15 USC 1681b [ C ] [ 3 ] ( 2 ) INFORMATION REGARDING INQUIRIES Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 15 USC 1681s-2 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
First National Bank of Omaha ( XXXX ) has a BP credit card ( XXXX XXXX ), that my parents have been a member of for the better part of XXXX  years. 

I applied for my own card XXXX months ago and was approved and used the card for that amount of time. A hold was placed on my account, I called and they claimed that they randomly choose accounts to put a hold on and have an employee review them, then take them off after. I asked to have the hold removed and they said they could not move any faster than whoever was tasked to reviewing my account. 

XXXX weeks went by and my card was still on hold, they never emailed me, messaged me, or contacted me at any point about the hold, I had to call them. 

They then mailed me a letter saying my account is closed because of unnecessary risk and exposure to the bank. I have never missed a payment, always paid the entire balance weeks before the due date. This is unacceptable and terrible business operations, my credit score will take a hit as a closed account will be reported, I need answers as they claim they can not re-open the account.

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