vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: WV

Complaint narrative:
Someone somehow got into my phone using the SIM card, and sent two sums of money to someone named XXXX XXXX, one transaction was {$150.00} and one was {$170.00}. PNC Bank has refused to refund my money because I had also disputed a transaction back in XXXX for I believe two XXXX transactions. The first time I called after they declined my refund I was told it was because the transactions were over 60 days old, and the ones in XXXX were so okay thats fine, however the {$150.00} dispute was filed on XX/XX/2022 and transaction took place on on XX/XX/2022 and {$170.00} happened on XX/XX/2022 and was disputed on XX/XX/2022. So PNC initially tried to say they were 60 days old, I was placed on hold for 45 minutes and nobody ever came back to the phone, so I called back only to get the an explanation of because I caught the XXXX ones after I caught the XXXX and XXXX ones that they werent giving any of it back. I went back through my statements after I caught the two {$150.00} and {$170.00} because they prompted me to check. PNC bank has caused my account to go negative with this because they took back the {$320.00} provisional credit when they werent supposed to. In addition to that, when I disputed them the second time, they declined me again, however if I didnt receive any info within XXXX business days I was supposed to receive another provisional credit. Over XXXX business days went by with no credit. Also I was supposed to receive a call back from the dispute department and still havent, its been almost XXXX hours and they said Id be called in XXXX. This is unbelievable, Ive got other transactions that I need to dispute with them but I dont feel confident Ill recover my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-25 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
My data was leaked 3 times. I have proof of this from my credit Report. I had cards opened in XXXX and And Apple Card with Goldman Sachs. I reported these cards as theft and they closed the Apple Card and took the balance away, and then they brought it back. My XXXX card account was closed but they say I am still responsible for The card. I live in XXXX and the charges were all in New York. I would like this removed from my credit report. It has brought my score down XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: AZ

Complaint narrative:
My data was leaked 3 times. I have proof of this from my credit Report. I had cards opened in XXXX and And XXXX XXXX with XXXX XXXX. I reported these cards as theft and they closed the XXXX XXXX and took the balance away, and then they brought it back. My XXXX  card account was closed but they say I am still responsible for The card. I live in XXXX and the charges were all in New York. I would like this removed from my credit report. It has brought my score down XXXX points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I signed up for a credit building debit card from chime.account was approved and card sent out aswell as multiple emails on how to activate card make purchases or add money. I went through all steps, password and personal info after downloading app for the card in order to activate, after receiving the card in the mail I went to activate the card like it says through the app and it wouldn't let me sign in with my password wich I did not forget and have written down on fact.i try the steps to reset password on my own, they ask you to send a picture of yourself and a picture of your id front and rear bar code, then they say were texting u a pass code, no code is ever received, there's an option to update phone number, they ask u to send a selfie and and id picture, then I will receive a pass code only the pass code does not work, tried multiple times multiple ways, im very capable of online type sinus things and using devices. No mistakes on my end! I call customer service wich is a never ending loop of the same recording, so I try the fraud department and finaly talk to a human, who does absolutely nothing besides suggest what the online app does, after explaining ive send my id and selfies multiple times he tries sending me a passcode to reset my password, nothing ever comes in, you can hear children playing in the background I should add.afyer waiting with the guy for 20 mins no text, no email no nothing... so he says there's nothing he can do and someone will call me in 2 hours ... .no call received its been a week.aftwr multiple emails with an automated customer service robot I've asked multiple times to discontinue my account or to please have a number sent or someone contact me to fix the situation.after my repeated efforts they continue to email me the same message asking for my ID and selfie... .I belive chime is a fake company and if they are not they need to be shut down based on customer service alone.my name.is XXXX XXXX XXXX XXXX ) XXXX XXXX ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
There is incorrect personal information on 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 2022-06-25 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: FL

Complaint narrative:
I previously filed a dispute regarding a collection account ( XXXX XXXX ). I disagreed with results. Equifax hastily completed their investigation and stated that the account belonged to me. I was disputing the amount owed. If they would look at the numbers submitted by XXXX then it would be 0bvious that there are no itemized charges adding up tom XXXX Furthermore after I complained about Equifax and XXXX  preventing me from obtaining my report in an easy and timely manner. Here is my new complaint : On the XXXX of XX/XX/XXXX, I opened myfico account and and my Equifax credit score was XXXX. Today four days later it is XXXX. XXXX went down to XXXX. How is this possible when my credit limit went up on my XXXX XXXX card and the balance of my XXXX  XXXX card went down. I also paid off my personal loan and have not been late on any payments the last 6 months. Meanwhile XXXX raised my score today to XXXX .... Are Equifax and XXXX retaliating because I closed my monthly account with them and then filed complaints against them both? I have to believe that I am being punished. I am a XXXX XXXX XXXX XXXX veteran trying to get a car and an Apartment. How the heck can my scores go down almost XXXX points in four days. XXXX, please enforce whatever rules that Equifax and XXXX are breaking. There is No way that my score could drop that much that fast. And to make matters worse Equifax and XXXX listed the XXXX XXXX account as new when it has been there since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following creditors have violated my rights XXXX XXXX XXXX bank Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX account # XXXX Equifax  XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Account # XXXX Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said any credit card. The Credit card is my social security card In which I used to originate every consumer credit transaction above. 

Pursuant 15 USC 1681a 2 ( A ) ( i ) Exclusions-Except as provided in Paragraph ( 3 ), the term consumer report include - ( A ) Subject to section 1681 s-3 of this title, any ( i ) report containing information solely as to transaction or experiences the consumer and the person making the report ; This law clearly states Transactions or experiences between consumer ( Me ) and the person ( The above creditors ) making the report is NOT INCLUDED on my consumer report Pursuant 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Pursuant 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and I have not given any of the above corporations written permission to furnish any of the above items on my consumer report my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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 — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I was frayed on 4 different credit cards and until I checked my credit I did not know nothing. I never got anything in the mail. I ended up paying the account in full because it was damaging my credit. I had to pay one other one to. They had the wrong address on file and everything. I never requested for this credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-25 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:
XXXX accordance with the fair credit reporting act XXXX  account * has violated my rights. 
*-accounts 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 XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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 2022-06-25 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: NY

Complaint narrative:
XXXX accordance with the fair credit reporting act XXXX  account * has violated my rights. 
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 XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following creditors have violated my rights XXXX XXXX XXXX bank Account # XXXX XXXX  Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX bank Account # XXXX XXXX XXXX Account # XXXX Transunion XXXX Card Account # XXXX Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said any credit card. The Credit card is my social security card In which I used to originate every consumer credit transaction above.

Pursuant 15 USC 1681a 2 ( A ) ( i ) Exclusions-Except as provided in Paragraph ( 3 ), the term consumer report include - ( A ) Subject to section 1681 s-3 of this title, any ( i ) report containing information solely as to transaction or experiences the consumer and the person making the report ; This law clearly states Transactions or experiences between consumer ( Me ) and the person ( The above creditors ) making the report is NOT INCLUDED on my consumer report Pursuant 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Pursuant 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and I have not given any of the above corporations written permission to furnish any of the above items on my consumer report my rights have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following creditors have violated my rights XXXX XXXX XXXX bank Account # 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 XXXXXXXX Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said any credit card. The Credit card is my social security card In which I used to originate every consumer credit transaction above.

Pursuant 15 USC 1681a 2 ( A ) ( i ) Exclusions-Except as provided in Paragraph ( 3 ), the term consumer report include - ( A ) Subject to section 1681 s-3 of this title, any ( i ) report containing information solely as to transaction or experiences the consumer and the person making the report ; This law clearly states Transactions or experiences between consumer ( Me ) and the person ( The above creditors ) making the report is NOT INCLUDED on my consumer report Pursuant 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Pursuant 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and I have not given any of the above corporations written permission to furnish any of the above items on my consumer report my rights have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
This is incorrect personal information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc.
State: WV

Complaint narrative:
On XX/XX/2022 {$180.00} was transferred from my XXXX account into my money lion account, after which a hotel room was booked on XXXX. I only knew about it when an email came to my email confirming a reservation at a hotel I had just stayed at on the night of the XXXX. I thought this was odd so I called XXXX and they said that I had booked a room and I said but I didnt and they told me they werent doing anything about it because they have no contingencies in place for fraud like that. So I reached out to money lion to file a dispute, only for them to say they werent giving the funds back either because of the transfer Happening right before the purchase, well I didnt make the transfer either. Someone took control of my number and removed the service from my phone and somehow gained access to all Of my info, it has since been changed but nonetheless, Ive had enough issues with the XXXX fraud in the last few months and the last thing I need is to not get my funds back.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had my identity stolen. Someone opened multiple accounts with Bank of America in my name and then used it for fraudulent purposes. The accounts were closed by the bank due to fraud but it has negatively impacted my credit tremendously. I have spoken to the bank and their investigation may take months. 

The perpetrators used an expired ID card in my name apparently so the accounts should never have been opened in the first place. I need help. 

Bank Name : BANK OF AMERICA CALIFORNIA Bank Routing # : XXXX Account # : XXXX Bank Name : BANK OF AMERICA CALIFORNIA Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For CauseXXXX 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 2022-06-25 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: CA

Complaint narrative:
I RECEIVED MY CONSUMER REPORT AND MY XXXX REPORT DELETED MY BANKRUPTCY AFTER DOING A FULL INVESTIGATION, I KNOW THE CREDIT BUREAS ARE SUPPOSED TO LET TRANSUNION AND XXXX KNOW THAT THEY DID A FULL INVESTIGATION AND XXXX AND XXXX BOTH DELETED THE BANKRUPCY.TRANSUNION ARE THE ONLY BUREA THAT DIDNT DELETE THIS BANKRUPTCY SHOWING THEY DIDNT DO A FULL AND ACCURATE INVESTIGATION I DEMAND TRANSUNION DELETE THE BANKRUPTCY IMMEDIATELY. 

XXXX XXXX XXXX XX/XX/2018 REF # XXXX DISMISSED CLOSING DATE XX/XX/2018, XXXX LIABILITY. 

XXXX XXXX XXXXXXXX XX/XX/2018 REF # XXXX DISMISSED CLOSING DATE XX/XX/2018. 

DELETED IMMEDIATELY. 

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 2022-06-25 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: CA

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

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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