vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX I filed a dispute against XXXX XXXX with Chime. I ordered nail products and recieved fake flowers. The transaction amount is {$84.00}. The dispute has been opened and closed XXXX times with the determination that " no error has occurred ''. Chime has not been able to provide me with the full detail supporting documents which I have requested numerous times. I am entitled to receive the documents XXXX business days after opening the dispute. I received the document from chime 2 months later and it was XXXX of the tracking ID showing item was delivered. I have provided XXXX items as supporting documents to XXXX. I have spoken to numerous call center representatives as well as supervisors and had the call disconnected twice by supervisor as I was providing details of the case. I have returned the merchant 's items on XX/XX/23 in which emailed the receipt as well a a screenshot of the tracking showing item was delivered to merchant. I do not believe Chime has conducted an investigation as they are unable to provide detailed supporting documentation which would indicate how the dispute was determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I XXXX XXXX have noticed some fraudulent accounts and unauthorized inquiries appearing on my credit report I have attached supporting documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Our Post office has a new mail person. She mis delivered my bill to neighbor and I did not get it for over a month. I had charged {$5.00} on a card. I called the cr card company. She promised to remove the {$5.00} late fee if I paid the {$5.00}. I did. She refused to provide written documentation of her promised but assured me it was " in the notes on the account ''. To show appreciation, I used the card the next month. When the bill came, I found she had not removed the {$5.00} fee and as a result, I now owed it plus additional fees and interest. I called and the rep confirmed the notes on the account did reflect that the gal was removing the {$5.00} fees from the month before BUT BECAUSE THE PERSON HAD NOT DONE SO, I now owed all of the fees. I told her I was fed up and would pay for this months purchases and close the account. She tried to talk me out of paying this months purchases. She PROMISED, if I close the account, I would not owe any of the fees they charged NOR ANY OF THE COST OF PURCHASES. That did not make sense. After I challenged her on that she said " Trust me, I do this all the time. You will not owe either the purchases or the fees if the account is closed. '' I told her I did not trust her. No way would I not owe for the purchases and no way I will fall for their tricks two times in a row. I told her I would pay for my purchases then close the account. What she was really trying to get me to do was not pay the bill so they could turn it over to collection and get even more fees. This is a scam. When I told her these conversations are recorded, she became very upset. She recorded it she said so therefore, I have the same right. Recording a call in which I participate is legal in Texas. I am reporting this so others who are scammed the same way can avoid being harmed. I paid for the purchases immediately. I did not pay the fees they twice promised to remove. I will close the account once my check has cleared.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
I have reported the transaction as an authorized and try to dispute it with the bank, but the bank has failed to do enough research to see if the transaction was an authorized or not, and has refused to provide me the information to use to determine the transaction was authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I didn't make these applications or I don't remember them 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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: NATIONS RELIABLE LENDING LLC
State: KY

Complaint narrative:
I was preapproved for a conventional mortgage with NRL mortgage. XXXX XXXX was the loan originator. This was in XX/XX/2023 that I got the preapproval. I went under contract XX/XX/2023 to buy a townhouse. Everything was submitted to underwriting. I submitted my earnest money. XXXX  XXXX with an RL mortgage came back and said there was a flag with KHC, the down payment assistance program who I had previously been preapproved with. XXXX  XXXX stated that the interest rate for KHC had gone up and I was no longer eligible for it with my debt to income ratio. This was the second mistake that XXXX  had made as my lender in the homebuying process. I was unhappy so I decided to apply with a different lender who informed me that even if we were looking at the interest rates even further back in time with XXXX  I still wouldnt have qualified, this different lender informed me that I never wouldve qualified for XXXX  to begin with. I believe the XXXX  XXXX with an RL mortgage was deceptive in the fact that she led me to believe I was preapproved with KHC assistance, when in fact, I was not. I would like this investigated, because I believe this to be a violation of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
someone got a hold of my credit information and updated their email address, their home address, their employer, as if they were me. they used my credit cards and opened new bank accounts, used them without my authorization or 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 2023-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Truist allowed XXXX to be wired out of my account by a scammer without any authorization from me. I talked w a fraud person the other day and found out they are not federally insured for wire scams so they are saying its a XX/XX/50 chance I will get money back. I own a small buisness and this is impacting my business. Im mad and scared. I filed a police report and I am going to fbi on Friday.

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 monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
The following corporations Absolute Resolution, XXXX XXXX  XXXX, and XXXX XXXX  are reporting income to the top three credit reporting agencies, XXXX, XXXX, and XXXX. Income is not part of any XXXX, XXXX, or XXXX credit reports. This needs to stop immediately. 
According to XXXXXXXX XXXX own web site It states ( see provided upload ) " Your credit history does not include income information. And according to the IRS web site publication 525 and 4681 ( see provided uploads ) The IRS clearly makes it known that 1099c is to be considered income to be reported on tax returns as such. And as such income is not and can not be a debt therefore income can not be reported to the credit reporting agencies. I have uploaded the proof of income 1099C along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. Absolute Resolution, XXXX XXXX  XXXX, and XXXX XXXX  must remove, delete all income from being reported to my credit reports In summary it is abundantly clear to all parties, that the IRS considers 1099C cancelled debt to be reported as income and accordingly the credit reporting agencies as well as Absolute Resolution, XXXX XXXX XXXX and XXXX XXXX  themselves should not be reporting income.. See below more clarification regarding the fact that income can not be reported to the credit reporting agencies, ie 1099c being income to be reported on tax returns Can income be reported on credit report? Income isn't even on your credit reports so it can not be considered in credit scores because credit scores only consider what's on your credit reports, XXXX explains. In fact, no wealth metrics are factored into your credit scores. What information Can not be included in a credit report? For example, a credit provider might ask you for information about your income when you make an application for credit. The credit provider can not give information about your income to a XXXX  to be included in your consumer credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The following corporations XXXX XXXX, Comenity Bank XXXX, and XXXX XXXX  are reporting income to the top three credit reporting agencies, XXXX, XXXX, and XXXX. Income is not part of any XXXX, XXXX, or XXXX credit reports. This needs to stop immediately. 
According to XXXXXXXX XXXX own web site It states ( see provided upload ) " Your credit history does not include income information. And according to the IRS web site publication 525 and 4681 ( see provided uploads ) The IRS clearly makes it known that 1099c is to be considered income to be reported on tax returns as such. And as such income is not and can not be a debt therefore income can not be reported to the credit reporting agencies. I have uploaded the proof of income 1099C along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. XXXX XXXX, Comenity Bank XXXX, and XXXX XXXX  must remove, delete all income from being reported to my credit reports In summary it is abundantly clear to all parties, that the IRS considers 1099C cancelled debt to be reported as income and accordingly the credit reporting agencies as well as XXXX XXXX, Comenity Bank XXXX, and XXXX XXXX themselves should not be reporting income.. See below more clarification regarding the fact that income can not be reported to the credit reporting agencies, ie 1099c being income to be reported on tax returns Can income be reported on credit report? Income isn't even on your credit reports so it can not be considered in credit scores because credit scores only consider what's on your credit reports, XXXX explains. In fact, no wealth metrics are factored into your credit scores. What information Can not be included in a credit report? For example, a credit provider might ask you for information about your income when you make an application for credit. The credit provider can not give information about your income to a XXXX  to be included in your consumer credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Link Management, LLC
State: NM

Complaint narrative:
They contacted me ( 3 times ) my mom and brother in a span of XXXX minutes on XX/XX/2023. They also discussed my debt with my brother mentioning a wage garnishment in an attempt to fear monger.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2023 I opened a XXXX credit card to use for my car expenses, XXXX  had a promotion with synchrony bank offering a {$100.00} visa gift card when opening a card to use for repairs. 
I made XXXX attempts to pay the card off in the following weeks but was told by phone it was too early to make a payment. When the billing statement arrived in the mail I made another attempt to pay off the card from my checking account... but I kept receiving notifications that the payment was rejected. I called my bank and they explained I was using the wrong routing number. I immediately corrected the problem and made a payment in full several weeks before the due date. I was notified by synchrony bank that my account had been closed due to DISHONORED payments. I called to explain the situation and was told they sent this info to my credit report and I no longer qualify for the promotion of {$100.00} gift card. 
They said there's nothing else they can do even though I made the full payment weeks before the due date. Now I have a mark on my credit report and no gift card for a simple mistake of entering the wrong numbers into the phone. This is unfair and I have excellent credit... ..this was an excuse by synchrony bank to hurt my credit and keep their gift card!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This account has taken fees out on me its an old account and I never received the actual equipment for this account and still charged. I moved recently after and tried to stop charges and service and never stopped

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Debt Recovery Solutions, LLC
State: WY

Complaint narrative:
I have a {$810.00} loan showing on my credit report from XXXX XXXX the loan amount was for {$500.00} paid from XXXX XXXX years ago. In XXXX of 2023 I paid {$680.00} to XXXX XXXX XXXX in regards XXXX XXXX I have the receipt and XXXX XXXX  says that XXXX XXXX was paid..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my XXXX XXXX. Please remove them promptly and ensure that they do not reappear.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
Ive filed a complaint against Barclays due to the companys malpractice and mishandling of my personal information. The company responded to my first complaint saying that the integrity of the credit system relies upon the accuracy of information provided while showing lack of that itself. When I signed up with Barclays they never offer me in their agreement to OPT OUT from getting my personal information being shared with 3rd party entities as required by law. Therefore violating my right to privacy. 

In 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

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.

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