vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 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: CO

Complaint narrative:
I've been very patient with the credit reporting agencies in regards to a late payment that is being reported on my credit file which is inaccurate. The late payment from creditor XXXX XXXX was reported in XX/XX/2021. I've reached out to the creditor directly and they've also stated there was no late payment on their end from me. I've reached out to the credit bureaus MANY different times and have either gotten hung up on after waiting on the phone for hours, have been told they haven't received any of my letters, or that the investigation is still under review. This has been an on going thing for months where the bureaus are dragging this out and continuously reporting information that's incorrect on my credit file. I've written multiple letters back when I first noticed the late payment reported, a letter in XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year. Its frustrating knowing that its inaccurate and XXXX powerless in resolving it. They've been pushing the investigation back for months, giving different answers, or hanging up when I get through to someone. I work 58 hours in a week and getting drained doing this. They've had plenty of time for the investigation. Its been way longer than 60 days! They can not keep taking advantage of me like this. PLEASE 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 2022-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NV

Complaint narrative:
I created a chime account on XX/XX/21 and received a transfer of XXXX dollars from my mother 's account. Two days later my chime account was suspended. I emailed Chime 's customer service and they told me to send my ID, social, and security. I sent all the documents but they wouldn't accept my proof of address. I am only XXXX XXXX XXXX and don't have any bills. I emailed them back to ask what documents would work and tried to send new ones but they have stopped responding. I have been persistentally sending emails and calling customer service for the last two months and no one has been able to help me. I would Iike for my account to be re-enabled or have my money sent back to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
The only way to get my money out of XXXX XXXX Account in excess of $ XXXXmo is to wire transfer it to another institution with a fee of {$25.00}. I attempted to transfer {$50.00} ; XXXX from XXXX XXXX to my Chase Bank Private Client checking account so I could set up a new investment account with them. The transfer was to take place XX/XX/2022. I spoke to XXXX Wire Transfer department who said everything looks good and the transfer went through. On XX/XX/2022 I notice that there was a {$49000.00} deposit into XXXX XXXX account with a {$15.00} fee. I asked XXXX what was that about and they said Chase rejected the transfer and kept {$50.00} of my money. XXXX refunded {$15.00} for the inbound transfer fee since I wasnt the one who requested it. I called Chase and they said theyve never received a wire transfer for that amount this year and did not charge me a {$50.00} fee. I called XXXX back and they said it was Chase that kept the {$50.00} and gave me a Federal transaction number for Chase to look it up. I called Chase on XX/XX/2022 and gave them the transaction number and they said they needed 48 hours to investigate it. I called them back XX/XX/2022 and they said the reason it got rejected was it didnt have my name, just my checking account number so they took {$50.00} and sent the rest back to XXXX XXXX I asked for proof of this transaction and charge in writing and they said they were unable to provide that. I find this highly unethical. I searched everywhere I could look online for Chase rules on wire transfers and fees and never found any of what Ive witnessed, therefore, to me, this feels like Ive been robbed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX This is over XXXX $ of fraud done on my account {$25000.00} TO BE EXACT Multiple merchants on throughout these transactions Saturday XX/XX/XXXX at XXXX was the last time I used my card from XXXX, I lost access to my chime account after that transaction up until now, my identity was stolen, and after I made my last transaction I NEVER MADE ANY OF THESE TRANSACTIONS FROM XXXX XXXX XX/XX/XXXX NOR DID I AUTHORIZE ANYTHING. I have made numerous attempts to contact chime over the time period and every time I get someone on the line they transfer and Im on a never ending hold EVERY TIME. My account continues to be compromised and they will not do anything about it please help me. Ive also filed a number of police reports. I spoke to someone on the phone when I originally tried to start the claim process and told them I DID NOT HAVE MY CARD & when they sent the dispute form I was rushing to get it done I accidentally crossed out I had my card but immediately sent them an email when I realized what Id done. I did not make not a single one of these transactions shown

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing this to complain about Bank of America credit. My account was reported as fraudulent for the amount of {XXXX} because XXXX XXXX  charged my credit card without my consent after I had canceled the service with them and then I called Bank of America and told them, but they had already reported the balance ad delinquent to the credit bureaus. I was not aware that there was a balance on the credit card and for that reason I did not pay it since I had canceled the service. the amount was later refunded by XXXX XXXX  because it was a mistake from their part and I spoke with a Bank of America representative and he promised to remove it from my credit report but they never did. attached please find a letter that was sent to me by the bank of America representative. Please find attached a copy of a letter they sent me and the bank statement.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Macys department store will not remove me as an authorized user on my ex wifes account. I have asked multiple times and they refuse either stating I can not remove my self or that it is just impossible to remove myself on a derogatory credit report as an authorized user on 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 non-monetary relief
Consumer complaint received 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: MD

Complaint narrative:
My Chime XXXX Account was WIPED out of {$720.00}. In XXXX. NOT BY ME!!! 
XXXX XXXX - {$220.00} to XXXX XXXX XXXX payment XXXX XXXX - {$130.00} to XXXX 's XXXX payment XXXX XXXX pm - {$270.00} to XXXX 'S XXXX payment XXXX XXXX - {$100.00}. 
to XXXX XXXX XXXX payment My CHIME " XXXX BANK '' WAS TOTALLY WIPED OUT. IN XXXX!! I WAS ON THE PHONE WITH CHIME CUSTOMER SERVICE REPORTING WHAT WAS HAPPENING WHEN THE LAST {$100.00}. WAS TAKEN OUT OF MY ACCOUNT!!!!!! CHIMES FIRST INVESTIGATION SAID THESE PAYMENTS WERE LEGIT HOW IS THIS POSSIBLE???? 
THEY ARE NOT I HAVE NEVER EVER HEARD OF THIS STORE BEFORE OR LEASED ANYTHING IN MY LIFE. I HAVE NEVER HEARD OF THIS STORE BEFORE THIS HAPPENED TO ME!!! 
THIS IS MY HOUSE PAYMENT MONEY!!! 
I CANT GET A STRAIGHT ANSWER FROM CUSTOMER SUPPORT IF THIS IS BEING RE-INVESTIGATED?? I HAVE NOT GOTTEN ANY KIND OF PROVISIONAL CREDIT,,,, I'VE GOTTEN NOTHING,!!! MY BANK ACCOUNT IS {$0.00}. 
IVE WROTE EMAIL 'S TO ANYONE WHO WILL LISTEN. I AM AT MY WITT 'S END. 
THIS LEFT MY ACCOUNT - {$12.00}. I HAVE NEVER BEEN MINUS IN MY ACCOUNT EVER!!!! 
I AM XXXX YRS OLD AND I LIVE ON XXXX... 
I DONT KNOW WHO OR WHAT ELSE I CAN DO. IVE TRIED TO FIX AND INVESTIGATE THIS MYSELF BUT I AM GETTING NO WHERE. FAST. I CAN'T AFFORD A LAWYER OR EVEN IF THERE IS ONE TO HELP.

PLEASE, PLEASE, PLEASE, PLEASE,,,,,, " HELP ME '' AGAIN I LIVE ON XXXX I JUST TURNED XXXX. I HAVE NO WHERE OR ANYONE TO TURN TO. 
IN THE MEAN TIME MY SAVINGS ACCOUNT AND CHECKING ACCOUNT ARE BOTH " {$0.00} ''. IVE CALLED MY BILLS BUT THEY WANT THEIR MONEY. 
PLEASE, PLEASE, PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2022 I sent in letters to the credit bureaus asking them for verification on the inaccurate accounts that they were reporting to my credit report. The law says that they have 30 days, and it is well over 30 days. I have yet to receive a response from them on this matter. I'm upset and I feel like I'm being taken advantage of. This is a case of misleading false reporting and if this isn't settled, I will file for litigation. Please help me with 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 2022-03-10 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 Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-03-10 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: TN

Complaint narrative:
On XX/XX/2022 I sent in letters to the credit bureaus asking them for verification on the inaccurate accounts that they were reporting to my credit report. The law says that they have 30 days, and it is well over 30 days. I have yet to receive a response from them on this matter. I'm upset and I feel like I'm being taken advantage of. This is a case of misleading false reporting and if this isn't settled, I will file for litigation. Please help me with 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 explanation
Consumer complaint received 2022-03-10 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2022 I sent in letters to the credit bureaus asking them for verification on the inaccurate accounts that they were reporting to my credit report. The law says that they have 30 days, and it is well over 30 days. I have yet to receive a response from them on this matter. I'm upset and I feel like I'm being taken advantage of. This is a case of misleading false reporting and if this isn't settled, I will file for litigation. Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-10 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: TX

Complaint narrative:
To Whom This May Concern : Since XX/XX/2021, I noticed on 3 credit bureau reports that I had multiple accounts that were charged-off accounts that were still reporting information to my credit profile. I began to send each credit bureau a letter inquiring into the overall general state of my credit profile ; they responded and stated that everything was valid. Again, I sent another investigation letter into the credit bureaus ' investigations and how they found their conclusions. I also sent a letter to each of the companies, which included 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 non-monetary relief
Consumer complaint received 2022-03-10 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: TX

Complaint narrative:
To Whom This May Concern : Since XX/XX/2021, I noticed on 3 credit bureau reports that I had multiple accounts that were charged-off accounts that were still reporting information to my credit profile. I began to send each credit bureau a letter inquiring into the overall general state of my credit profile ; they responded and stated that everything was valid. Again, I sent another investigation letter into the credit bureaus ' investigations and how they found their conclusions. I also sent a letter to each of the companies, which included XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: TX

Complaint narrative:
To Whom This May Concern : Since XX/XX/2021, I noticed on 3 credit bureau reports that I had multiple accounts that were charged-off accounts that were still reporting information to my credit profile. I began to send each credit bureau a letter inquiring into the overall general state of my credit profile ; they responded and stated that everything was valid. Again, I sent another investigation letter into the credit bureaus ' investigations and how they found their conclusions. I also sent a letter to each of the companies, which included XXXX XXXX XXXX, XXXXXXXX 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 2022-03-10 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I XXXX XXXX, consumer, and natural living person submitting this complaint there is not third party involved. Experian is reporting inaccurate information on my consumers report and I demand that it be moved immediately.

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 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got 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 non-monetary relief
Consumer complaint received 2022-03-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief