vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Chime Financial Inc
State: IL

Complaint narrative:
I had an unknown charge in XX/XX/2023. Chime bank deactivated the card and sent me a new one. The first card never made it here, the second card was a replacement debit card ( wrong card ) I have contacted customer service countless times and they keep claiming they sent replacement cards and I still never receive them, Chime also deactivated my debit card without my knowledge or consent, and now I have no physical card to to to an ATM or make in store purchases. All they did was issue me virtual cards that I can use for paying bills on line and making online orders. It is now XXXX and I still have no cards. 
Chime tried claiming it was my address, however, my friend had his Chime debit card replacement sent to my address and it made it here just fine. I asked a supervisor at Chime if I can speak to someone who handles the cards being sent, she claimed to not know or dont have access to logistics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: IL

Complaint narrative:
XXXX - This is the original complaint number. 

I requested to have all false names be removed from my credit report and that is not happening. 
These wrongful accounts were attached to my credit and were fraud. 
I did not request for my name to be edited or updated. 
I requested that these false names and accounts be removed and deleted. 
Changing or editing the names/account does not solve my problem as these accounts are not mine and were not opened by me. 
These names and accounts need to be deleted not edited/changed. 
Thanks

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 2023-11-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX - This is the original complaint number. 

I requested to have all false names be removed from my credit report and that is not happening. 
These wrongful accounts were attached to my credit and were fraud. 
I did not request for my name to be edited or updated. 
I requested that these false names and accounts be removed and deleted. 
Changing or editing the names/account does not solve my problem as these accounts are not mine and were not opened by me. 
These names and accounts need to be deleted not edited/changed. 
Thanks

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX didnt respond back on a hard inquiries complaint ( XXXX + business days ) Complaint company hard inquiries XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/2023 and XXXX XXXX, XX/XX/2023. 

I have a fraud alert on my credit profile and didnt give no one permission to look into 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 2023-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
All XXXX bureaus failed to follow proper credit reporting procedures and laws throughout my past 3 months in the disputing process. On XXXX I sent certified mail disputes to all XXXX bureaus regarding inaccuracies on my credit reports. Please see the attached document for more information on what went wrong. Here are the tracking numbers and evidence. 

( XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX to Transunion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX to XXXX XXXX Mail, XXXX, Transunion, and XXXX received notice of my XXXX dispute on these dates below XX/XX/XXXX, XXXX am XXXX XX/XX/XXXX, XXXX am Transunion XX/XX/XXXX, XXXX pm XXXX After receiving notice of my XXXX XXXX Transunion Consumer Solutions removed the XXXXXXXX XXXX Account XXXX from my credit profile on XXXX. On XXXX, the XXXXXXXX XXXX Account was seen as re-verified and re-furnished on my profile. I did not receive notice of this within the XXXX business days as required by the FCRA section XXXX. 

Similarly, XXXX XXXX XXXX XXXX, received notice of my XXXX dispute and removed the fraudulent XXXX XXXX Account on XXXX. On XXXX, the XXXXXXXX XXXX Account was seen as re-verified and re-furnished on my profile. Again, I did not receive written notice of this within the XXXX business days as required in the official FCRA XXXX section. This is a violation of my rights and the account needs to be deleted off my profile immediately because of it and the inaccuracies pointed out. 

XXXX did the same and failed to follow proper FCRA credit reporting procedures. The XXXXXXXX XXXX account XXXX was re-verified and is still affecting my credit today. 

Alongside this, all of the companies did not provide me with any of the information I requested such as the proof and evidence that was used to verify the XXXX XXXX account. I requested the investigation information very clearly in all of my disputes. Nonetheless, all three XXXX, XXXX XXXX XXXX XXXX, and Transunion Consumer Solutions, all failed to provide me with the information I requested. It is my right under FCRA consumer law and I am utterly shocked that all XXXX of the companies can not keep it together. 

Again, please see the attached document for more explanation of what went wrong.

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 2023-11-02 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: MO

Complaint narrative:
All 3 bureaus failed to follow proper credit reporting procedures and laws throughout my past 3 months in the disputing process. On XXXX I sent certified mail disputes to all 3 bureaus regarding inaccuracies on my credit reports. Please see the attached document for more information on what went wrong. Here are the tracking numbers and evidence. 

( XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX to USPS Certified Mail, Equifax, XXXX, and XXXX received notice of my XXXX dispute on these dates below XX/XX/XXXX, XXXX am Equifax XX/XX/XXXX, XXXX am XXXX XX/XX/XXXX, XXXX pm XXXX After receiving notice of my XXXX XXXX XXXX Consumer Solutions removed the XXXX Bank Account XXXX from my credit profile on XXXX. On XXXX, the XXXX Bank Account was seen as re-verified and re-furnished on my profile. I did not receive notice of this within the XXXX business days as required by the FCRA section XXXX. 

Similarly, Equifax Information Services LLC, received notice of my XXXX dispute and removed the fraudulent XXXX Bank Account on XXXX. On XXXX, the XXXX Bank Account was seen as re-verified and re-furnished on my profile. Again, I did not receive written notice of this within the XXXX business days as required in the official FCRA XXXX section. This is a violation of my rights and the account needs to be deleted off my profile immediately because of it and the inaccuracies pointed out. 

XXXX did the same and failed to follow proper FCRA credit reporting procedures. The XXXXXXXX XXXX account XXXX was re-verified and is still affecting my credit today. 

Alongside this, all of the companies did not provide me with any of the information I requested such as the proof and evidence that was used to verify the XXXX XXXX account. I requested the investigation information very clearly in all of my disputes. Nonetheless, all three XXXX, Equifax Information Services LLC, and XXXX XXXX XXXX, all failed to provide me with the information I requested. It is my right under FCRA consumer law and I am utterly shocked that all XXXX of the companies can not keep it together. 

Again, please see the attached document for more explanation of what went wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Panorama Mortgage Group, LLC
State: TX

Complaint narrative:
I submitted a complaint to CFPB on XXXX ( # XXXX ) stating that I was not able to pay additional towards my principle and escrow balances. I have been told multiple times that this issue would be resolved next month ( every month since XXXX ). It still has not been resolved. I did receive an email on XX/XX/XXXX stating that the servicing of my loan would be migrating soon. This has not happened as of today, XX/XX/XXXX. I tried to log onto the website to make my standard monthly payment, and I receive an DNS error. I have not received a payment statement since the first one they sent, which covered XXXX and XXXX. I tried to call multiple times today and it is automatically forwarded to voicemail. I did leave a voicemail and am waiting for a call back. Panorama Mortgage is out of compliance with XXXX. I have not received a monthly statement XXXX. I do not have access to amortization documents XXXX. I am unable to pay my monthly mortgage as of XX/XX/XXXX XXXX. I am unable to pay extra towards the principle balance, as of acquisition of my loan. The first communication I received was XX/XX/XXXX. 
XXXX. I am unable to pay extra towards my escrow, since acquisition. 
XXXX. I am unable to pay extra towards interest, since acquisition.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: NY

Complaint narrative:
According to company response # XXXX from CFPB!! 
ON THE RECEIPTS FROM XXXX XXXX 
I HAVE NOT USED THE CREDIT CARD!!! 
THESE RECEIPTS SHOW XXXX XXXX FEES AND LATE CHARGES AND INTEREST DEVOURING THE CARD!!! 
DOES NOT SHOW ME PURCHASING ANYTHING, SO HOW DO THEY GIVE ME CREDIT AND CHARGE ME ALL TYPES OF FEES AND I DIDNT USE THE CARD IN MY POSSESSION AND ALSO I LOST MY WALLET AND STILL DID CALL THE FRAUD DEPT AND TOLD THEM I LOST MY WALLET AND THEY TRIED TO SEND ME BACK TO CUSTOMER CARE WHEN THEY REALIZED I DIDN'T USE THE CARD, BUT CREDIT XXXX CLOSED THE CARD BECAUSE OF NONUSAGE, BEFORE I LOST THE CARD!!! 
HOW COULD CREDIT XXXX DO THIS, IT SHOULD BE ILLEGAL OR CRIMINAL TO GIVE AND TAKE BACK AND CHARGE FEES FOR NOT USING THE CARD AND PUT ME OR ANYONE INTO DEBT AND REPORT TO ALL XXXX MAJOR REPORTING AGENCIES, TRANSUNION, XXXX and 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 2023-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UPGRADE, INC.
State: TN

Complaint narrative:
Upgrade discriminated against me due to my " Credit Profile '', I spoke with multiple members of their team explaining " I am the original consumer and am aware of my rights, reporting to consumer reporting agencies is voluntary. This private transaction is unfavorable to me as a consumer, nowhere in the term adverse action defined within the FCRA does it mention that a natural person can be denied credit. As an original creditor it's unlawful to be denied my right to be granted credit, my credit was used and I received no benefit from the use of my credit. '' Their response over the phone was that it was XXXX who denied me my to be granted credit and I need to speak with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

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 2023-11-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$750.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$280.00}. 
XXXX  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$58000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXXXXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
XXXX XXXXXXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's giving me 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 2023-11-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$750.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$280.00}. 
XXXX  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$58000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXXXXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
XXXX XXXXXXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
XXXX XXXX XXXX XXXX  credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX XXXX XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's giving me 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 2023-11-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I revisited my credit file and to my dismay, I still see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my rights to dispute and take proper legal actions to the any inaccurate and missing information my report. For one LAST time I am asking you guys to perform a logical investigation on these accounts. If you still chooses to ignore this dispute, when there is relevant and new information given as per FCRA my other choice is to have this issue escalated and file a complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 


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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I revisited my credit file and to my dismay, I still see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my rights to dispute and take proper legal actions to the any inaccurate and missing information my report. For one LAST time I am asking you guys to perform a logical investigation on these accounts. If you still chooses to ignore this dispute, when there is relevant and new information given as per FCRA my other choice is to have this issue escalated and file a complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 


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

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 2023-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Bright Capital Inc
State: PA

Complaint narrative:
I tried to close my account today after reading online that I am not the only person who has had trouble with this company and their program. I actually read to come here and figure out the issue. I opened my account in XXXX of XXXX. And recently ive tried closing the account multiple times but there is always an error

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Chex Systems , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : It has been brought to my attention that XXXX XXXX XXXX XXXX has listed OVERDRAFTS on my Chex Systems file, dated XX/XX/2023. 
To my knowledge, I have never had OVERDRAFT with XXXX XXXX XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. 
Specifically, I am requesting full validation from XXXX XXXX XXXX XXXX including copies of any documentation associated with this OVERDRAFT which bear my signature. 
In the absence of such documentation, I request that this OVERDRAFT be permanently removed from my Chex Systems report ASAP.

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 2023-11-02 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent 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 explanation