vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 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: CA

Complaint narrative:
On XX/XX/XXXX I received a text at XXXX at night asking if I made a transaction a charge to XX/XX/XXXXes or No. I replied XXXX at XXXX and the XXXX response stated the transaction was blocked. 
I immediately went to my account and investigated how to freeze my account after realizing I no longer had my debit card. 

The XXXX XXXX was already frozen by the night of XX/XX/XXXX. 
I also noticed the other transactions for XXXX and XXXX $ also to XXXX did not get mentioned in the original text so I knew I had to contact to clear this up. 

I first contacted Chime XXXX XX/XX/XXXX at XXXX PM. 
I opened my first dispute and provided the entire story to the representative. I provided the entire story and made sure everything was clear as to what happened. I was then assured this will not take long and there is enough information so I should be fine. 

I received a response XXXX stating the claim was denied and no error was made. I called immediately and was advised that there was not enough information on the case which is strange as the last rep confirmed the same story was documented. 
I've never purchased anything from this website. I've never had an issue with a dispute before. 

The claim was then reopened but again denied XX/XX/year> stating no error occurred and the ruling is final.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-13 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: MI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian Credit Reporting Agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple personal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an personal credit card account opened aXXXX XXXX XXXX XXXX XXXX XXXX XXXX  under the account number XXXX XXXX XXXX a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), and a personal installment account opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of XXXX XXXX XXXX XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and addresses appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I purchased a vehicle jointly with my daughter XXXX XXXX XX/XX/XXXX. The vehicle was XXXX  XX/XX/XXXX. We never received notice that the vehicle was sold at auction, what amount it was sold for, and what negative balance remained. However this was placed on our credit reports. 

According to the Fair Debt Collection Practices Act, 1006.30 Other prohibited practices.- ( a ) Required actions prior to furnishing information. 

( XXXX ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish information about the debt to a consumer reporting agency until the debt collector otherwise satisfies paragraph ( a ) ( 1 ) of this section.

None of this has happened

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 2024-10-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was a victim of ID Theft in the past and was made aware of it. I pulled my credit report and noticed unauthorized accounts on my credit report. 

XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I'm seeking your help to address the incorrect account reflected in my credit report. This concern has affected my personal reputation, and I need your cooperation in resolving it. The mishandling of my credit has devastated my reputation, and the inaccurate information must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.

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 2024-10-13 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: PA

Complaint narrative:
I'm reaching out for help regarding the inaccurate account listed on my credit report. This issue has caused harm to my reputation, and I rely on your assistance to address it. Due to your mismanagement of my credit information, my credibility has suffered. I urge you to remove these mistakes 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 2024-10-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-13 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: TX

Complaint narrative:
I looked at my report back on XX/XX/year> and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. 


This account " XXXX XXXX XXXX XXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. 

This account " Applied Bank : XXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. 

This account " XXXX XXXX XXXX  XXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. 

This account " XXXX XXXX XXXX XXXXXXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. 

This account " XXXX XXXX XXXX XXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. 

This account " XXXX XXXX XXXX XXXX XXXX XXXX XXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. 


I sent a letter via certified mail on XX/XX/year> tracking number XXXX asking them to reinvestigate the accounts in question. 

I got the investigation back and NOTHING was modified. 

So I requested a description of the reinvestigation and they did NOT provide me which is a violation of XXXX XXXX XXXX ( XXXX ), They also violated XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX reported late payments in XXXX in a period that my loan was in forbearance. The loan was placed in forbearance on XX/XX/XXXX and was in forbearance until XX/XX/XXXX. I attempted to dispute this on Equifax but they dont show the late reported payments in the dispute section, only in the payment summary section.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: GA

Complaint narrative:
I was a victim of ID Theft in the past and was made aware of it. I pulled my credit report and noticed unauthorized accounts on my credit report. 

XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
A loan was created on XX/XX/XXXX with Regional Acceptance Corporation in the amount of {$33000.00} for a XXXX XXXX XXXX. In the last 5 years since that loan was created, my outstanding balance on the loan is now currently at {$30000.00}. According to these figures from the date of XX/XX/XXXX to XX/XX/XXXX only {$3000.00} out of the nearly {$28000.00} I have paid over the course of over 5 years has been applied to the balance of the loan. 

There is NO WAY under any simple interest contract that the above math makes any sense or is legal by any stretch of the imagination. 
This is something that a predatory lender would do considering they were well aware that I had just come right out of bankruptcy in XXXX of XXXX. The picture of how only {$3000.00} has been applied to my original balance of {$33000.00} over the 5-plus year time frame is either a MAJOR discrepancy, Severe incompetence by the lender, or just purely a predatory lender taking advantage of people like me. 

I have contacted the company regarding this matter on several occasions only to be rebuffed by its agents and managers. 
Attached here is the sales contract, payment history, and current payment stub showing the current balance at {$30000.00}.

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 2024-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA

Complaint narrative:
For the second time in six months, I requested re-assertion of ongoing disputes for charges that were illegally made against my account. Parenthetically, I will say these dispute numbers are now listed in the the Apple Card by Goldman Sachs system as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all related to wrongful overcharges that The XXXX XXXX made against my account. 

Again, for the second time in six months, the improperly trained staff triggered a " problem '' in the Goldman Sachs system that blocked my card from being used. 

As inconvenient as this is, the problem doesn't end there. The action actually triggers my Apple ID account to have to be reset and a code be sent to my phone, which is problematic as I am in XXXX XXXX XXXX  and my phone ( which is actually my father 's phone ) is in XXXX XXXX 

It strains the imagination, after such a screwup months ago, as to why employees were not trained in how to handle re-assertions of charge disputes. 

I chatted with XXXX, an Apple Card supervisor with Goldman Sachs bank USA, who claimed to be the senior-most person on staff at the time, and he acknowledged the company made a mistake and took my complaint for their internal system case number XXXX. The earlier complaint case number ( for the prior screwup ) is XXXX and was submitted on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: EQUIFAX, INC.
State: LA

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. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: Experian Information Solutions Inc.
State: LA

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. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
There has been a Fraudulent Citibank bank account XXXX in my name.

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 2024-10-14 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Someone opened a navy federal XXXX XXXX credit card that was not on my behalf I have no acknowledgement and would like to have this account removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Phone Number : XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Dispute of Debt - Account Number : [ XXXX ] Dear Sir or Madam, I am writing to formally dispute the validity of the debt you are attempting to collect related to The XXXX XXXX XXXX. This account was previously deleted from my credit report due to identity theft, which I have reported to the relevant authorities. 

It is concerning that this account has suddenly reappeared on my credit report after being removed. This may violate the Fair Credit Reporting Act ( FCRA ), which requires that accurate and complete information be reported, and that consumers not be subjected to double reporting of debts, commonly referred to as double dipping. The practice of reselling debt that has been previously charged off and reported as removed raises serious legal and ethical issues. 

Under FCRA Section 605 and FDCPA Section 1692e, consumers are protected from deceptive practices, including the re-reporting of accounts that have been properly disputed and verified as fraudulent. I believe that your collection efforts on this account violate these federal laws. 

As such, I demand that you provide validation of this debt, including proof that I am responsible for it, and that you cease all collection activities until such validation is provided. 

Thank you for your immediate attention to this matter. I expect a prompt response confirming that this account will be removed from your records, as it should not have been reported again. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: NC

Complaint narrative:
As of, XX/XX/year>, I have published to the public records a Copy Right Notice of my Name, Estate, and personal private information to be private. I never gave this company permission to furnish or sell any of my personal private information. I have already disputed the matter with CFPB about the volition of my private information being furnished, without my permission and the issue still has not be resolved. The damages this company is causing are not allowing me to utilize my consumer credit because of all of the inaccurate reporting. This company is committing Fraud and Copy Right infringement and shall resolve this issue without delay.

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