vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 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:
My name is XXXX XXXX, Address XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX # XXXX. DOB XX/XX/XXXX I disputed charges for my chime checking account for {$280.00}. Chime denied my dispute same day, Reason : Error. 
For claim # XXXX I emailed chime XXXX XXXX that I needed to retract the information I told chime XXXX, because at the time when I called disputing charges, tues XX/XX/XXXX, I didnt realized my CREDIT CARDS WERE STOLEN! My chime spending account card WAS stolen. once I retracted my steps Tuesday, XX/XX/XXXX I then realized MY CHIME CHECKING CARD AND CHIME CRED BUILDER WAS STOLEN. I just went on chime app and deactivated credit builder card. Since chime was so eager to deny my dispute ( the same day ) I need to Dispute charges XX/XX/XXXX for {$83.00}. 
I have a Chime account With A Credit builder account/card and checking account, where there was unauthorized charges starting XXXX XXXX XXXX # XXXX, routing # XXXX. I actually realized on my break Tuesday XX/XX/XXXX and called chime reporting charges for {$280.00}. Chime XXXX started a ticket. I realized when I didnt have my cards in my wallet and honestly couldnt give him a answer to what happened! Later that day I realized my Chime Checking Card WAS STOLEN And My Chime Credit Builder Card along with my other cards. 
Chime emailed me the SAME DAY XXXX, DENYING MY DISPUTE DUE TO ERROR! I dont have that money that was spent. Now Im in the hole. 
Now since Chime was so eager to deny dispute I need to Dispute charges from my XXXX XXXX XXXX from XX/XX/XXXX for {$83.00}. It would probably be good idea to re-open my dispute AND ADD THE CHARGES FROM CREDIT BUILDER CARD. I informed chime I need a new ticket for ( Spending/checking acct. ) reopened and both disputes together. Unauthorized charges for {$83.00} & $ XXXX $ XXXXTOTAL Chime offers Visa Zero Liability Policy AND Deposits are FDIC insured up to {$250000.00} through The XXXXXXXX XXXX  or XXXX XXXX  XXXX XXXX XXXX XXXX FDIC. And we work hard to protect your information for all members!!!!!! I sent a pic for new charges I need to dispute. 
I would so appreciate it if you could help me with these charges. Im barely making end meat now. 

Thank you for your time XXXX XXXX On XX/XX/XXXX, at XXXX PM, Chime Member Services XXXX wrote : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an 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 2022-09-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an 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 2022-09-15 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
CFPB In accordance with Fair Credit Report Act XXXX Acct # XXXX has violated my rights 15USC 1681 Section 602 A states I have a right to privacy.

15 USC 1681 Section 804 # 2 consumer reporting agency can not form a account without my written instructions.

15 USC 1666 B a creditor may not feed a payment on a credit card act under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I dont know every time I was called scammers or who, because after I approved capital one credit card and also made purchases on the card already, then they frozen my account ask me to send in ID copy and SSN card copy and utility bill statements just for verifying I am the card holder or not, This very songs like scammers but my capital one credit card account is frozen, But anyway I did send in my ID, my tax forms from recent years, and my address utility bill statement, but still not work, the person whos on the phone must ask me to send in my SSN card copy, I just got confused, thats how capital one credit card company let us know how to protect identity by ourself? or thats just the ways making you guys workers easy? who told us dont sending any personal information documents to anyone or email or fax? why dont face it up? As a bank credit union , a public establishment, what can our users trust you?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: NV

Complaint narrative:
I m victim of a indentity theft! I have a XXXX XXXX  utility bill on collection which i never open. Account has been open on XX/XX/2022 and amout of the collection is {$420.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: NY

Complaint narrative:
XXXX is verifying all information less than XXXX XXXX no information is accurate

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 2022-09-15 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Greetings, I have discovered a delinquent payment on all major credit reports. I have attempted multiple times to have this corrected by contacting my student loan servicer. Those attempts were unsuccessful. 

I am disputing student loan data that shows " 90 DAYS '' late for XX/XX/2019. 

My credit report currently shows the following : - XX/XX/2019 " 90 DAYS '' Current, was past due 90 days - The same credit report shows payments from XXXX, XXXX, XXXX, XXXX, and XXXX as " PAID. '' - How can I receive a " 90 DAY '' late mark when the previous months all say paid? 

- Finally, I requested proof of payment history from XXXX, and the data received shows no detailed history to clarify the data above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX is verifying all information less than 24 hours no information is accurate

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 2022-09-15 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: MI

Complaint narrative:
Equifax conducted an automatic update in response to XXXX, only to verify the erroneous data is " accurate ''. It is evident because the data-furnisher itself has launched an investigation and provided a statement to me stating the information should not be in my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union Foundation doing business as Navy Federal Credit Union ( NFCU ) is committing fraud and white collar crimes ( extortion ) against consumers on a daily basis for a number of reasons. Regulatory provisions are being violated in criminal ways that constitute extortion and theft of identity and property. NFCU is not required to mortgage or otherwise lien property in order for Consumers to purchase or build a dwelling pursuant to 12 CFR 701.31 and 12 CFR 701.20. NFCU is also not required to use cash assets or real property to secure the purchase of a dwelling pursuant to 12 CFR 1002.2. They have been sufficiently notified and they refuse to make any accommodations as required by the Fair Housing Association as an Equal Housing Lender. NFCU has informed me on several occasions that they are not required to adhere to these regulations and that they do not provide the required service in compliance with their applicable regulations and laws. Doing business with them is also dangerous because they are a 501 ( c ) ( 3 ) organization which means they are TAKING property from people by outright fraud and extortion. If you look at the " about us '' page on their website and their Articles of Incorporation registered with the Secretary of State in VA, you will see that they are TAKING property as the language reads, and that the Foundation has no members. They are required by law to process an extension of credit without a lien, which is a money transfer for the purpose of purchasing a dwelling. NFCU is only to receive interest in the amount of a finance charge and nothing more. They are tricking people into paying them, for loans that are not at all funded by NFCU. Please see attached documents for details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
In regards to the creditor Credit Acceptance account # XXXX This item has been disputed numerous times it was removed from my credit report back in XXXX of XXXX from a dispute that went into collections. Then was re-inserted to my credit report as an active open account as of XX/XX/XXXX. I contacted the creditor XX/XX/XXXX to validate the debt and was informed that the account has been in there internal collections department since XXXX of XXXX. I mentioned to the claims dept specialist that they removed the account from my report for 2 years being in collections and that they were reporting false information to the bureaus. They have been reporting late payments since XX/XX/XXXX knowing that the account was in collections. I mentioned how an account can not be in collections and treated as an active account, and his reply was it is an active account in our internal collections department. Reporting false information is a violation according to the fair credit reporting act. I also contacted the three bureaus in regards to this matter XX/XX/XXXX which led to another dispute with each bureau. Also on my report there is no history of previous dispute investigations. Which is another violation, I would dearly appreciate your assistance in this matter. I'll also be attaching the supporting documents from my credit report from XXXX Thank you so much

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 2022-09-15 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: NY

Complaint narrative:
Greetings, I have discovered a delinquent payment on all major credit reports. I have attempted multiple times to have this corrected by contacting my student loan servicer. Those attempts were unsuccessful. 

I am disputing student loan data that shows " 90 DAYS '' late for XX/XX/2019. 

My credit report currently shows the following : - XX/XX/2019 " 90 DAYS '' Current, was past due 90 days - The same credit report shows payments from XXXX, XXXX, XXXX, XXXX, and XXXX as " PAID. '' - How can I receive a " 90 DAY '' late mark when the previous months all say paid? 

- Finally, I requested proof of payment history from XXXX, and the data received shows no detailed history to clarify the data 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 2022-09-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Greetings, I have discovered a delinquent payment on all major credit reports. I have attempted multiple times to have this corrected by contacting my student loan servicer. Those attempts were unsuccessful. 

I am disputing student loan data that shows " 90 DAYS '' late for XX/XX/2019. 

My credit report currently shows the following : - XX/XX/2019 " 90 DAYS '' Current, was past due 90 days - The same credit report shows payments from XXXX, XXXX, XXXX, XXXX, and XXXX as " PAID. '' - How can I receive a " 90 DAY '' late mark when the previous months all say paid? 

- Finally, I requested proof of payment history from XXXX, and the data received shows no detailed history to clarify the data above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: NY

Complaint narrative:
Greetings, I have discovered a delinquent payment on all major credit reports. I have attempted multiple times to have this corrected by contacting my student loan servicer. Those attempts were unsuccessful. 

I am disputing student loan data that shows " 90 DAYS '' late for XX/XX/2019. 

My credit report currently shows the following : - XX/XX/2019 " 90 DAYS '' Current, was past due 90 days - The same credit report shows payments from XXXX, XXXX, XXXX, XXXX, and XXXX as " PAID. '' - How can I receive a " 90 DAY '' late mark when the previous months all say paid? 

- Finally, I requested proof of payment history from XXXX, and the data received shows no detailed history to clarify the data 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 explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I am an XXXX, on XX/XX/2022 I paid for the sea delivery of potatoes from XXXX. Until now, my money is in the Bank of America ( hereinafter referred to as BOFA ) being checked for XXXX sanctions. 
On XX/XX/XXXX, I received a request to clarify the purpose of the payment, although I had previously specified it in detail. An invoice was also requested. 
I submitted the delivery documents, the money was not received. 
I canceled the payment, and still no money. 
I contacted BOFA, he told me to contact my bank. 
Sea transportation of potatoes is not subject to sanctions against XXXX, the delay in my payment with a detailed description of the destination is illegal. 
BOFA had active connections in XXXX with state banks, profited together with the XXXX  Government, and now actually also works for the XXXX regime by forcing XXXX not to deal with US dollars and switch to friendly currencies ( XXXX XXXX XXXX etc. ).

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 2022-09-15 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: FL

Complaint narrative:
My personal information was stolen in 2020, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXXXXXX XXXX  : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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-Equifax 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX-Equifax 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 XXXXEquifax 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 a account without my hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
I ordered 3 items from XXXX that were shipped together. Two items in the amount of {$6.00} and one items in the amount of {$270.00}. XXXX issued refunds from the items but stated my bank denied the refund for XXXX. Since XXXX issued a refund, they will no longer assist me. I received an email from USPS stating items were sent back to original sender. I submitted documentation to chime but my dispute claim was denied. This is not ok. I want my money back.

Company response to consumer: Closed with explanation