vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year> I received two emails from Chime. The first welcoming me to my new Chime account. The second stating I was one step away from completing my credit builder account. After researching the email and identifying what I was pretty sure was the true Chime phone number I called and told them I did not create this account. It took me XXXX minutes to navigate the robo answering system to finally speak to a representative. Once on the phone with the representative they were quick to find and close the account. I thought that was strange so I asked further questions. My first, what is a direct line to your department in the event I see any activity on my other accounts. The second was, can you tell me if the account was funded with any money. The representative ( XXXX XXXX stated they didn't have a direct line. She said she could not say if the account was funded and that there was another department that did that via email. I inquired why a financial institution would ever do that over email or chat and she had no explanation. After thinking it over several days, I took the time to XXXX this and noticed many others have had this exact same problem with Chime and it motivating me to create this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Vehicle was giving back to Chrysler due to recall on vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2024-01-21 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: NC

Complaint narrative:
15USC 1681a ( d ) ( 2 ) ( AXi ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet ExperianXXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian/XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
The auto loan account was charged off meaning it was paid off and also written off for tax purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: NJ

Complaint narrative:
Dear XXXX XXXX XXXX, I trust this communication finds you well. I am writing to address a matter of significant concern pertaining to a debt under your management, which has had a detrimental impact on my credit score. I sincerely hope that we can engage in a constructive dialogue to promptly rectify the damage caused and reach a fair resolution. 
Upon discovery that XXXX XXXX XXXX is pursuing this debt without my prior notice or consent, resulting in the creation of a collection account, my creditworthiness has been substantially affected. This has raised serious concerns about potential violations of consumer protection laws, emphasizing the importance of transparency and fair business practices.

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 2024-01-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear XXXX XXXX XXXX, I trust this communication finds you well. I am writing to address a matter of significant concern pertaining to a debt under your management, which has had a detrimental impact on my credit score. I sincerely hope that we can engage in a constructive dialogue to promptly rectify the damage caused and reach a fair resolution. 
Upon discovery that XXXX XXXX XXXX is pursuing this debt without my prior notice or consent, resulting in the creation of a collection account, my creditworthiness has been substantially affected. This has raised serious concerns about potential violations of consumer protection laws, emphasizing the importance of transparency and fair business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
XX/XX/XXXX I disputed both accounts due to late payments due to locked cards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: OH

Complaint narrative:
Hello CFPB, I'm submitting a complaint on the credit reporting bureaus TransUnion, XXXX, and XXXX on my consumer reports. I requested a verification and removal of a XXXX XXXX XXXX from the consumer report, Verification of Creditor accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, due to Charge offs, Late payments, Evictions 15 USC 1681a 2. Under the Fair Credit Reporting Act, a consumer reporting agency must provide accurate information. I requested that the bankruptcy be verified, since its showing on my credit report/consumer report. They came back saying it was verified on XX/XX/23. How could they have verified a bankruptcy? Who did they contact in the court to verify the information? I am also aware of my rights under the Fair Debt Collection Practices Act, specifically 15 USC 1692c, which prohibits debt collectors from communicating with third parties regarding my debt. As such, any continued reporting of my bankruptcy is in violation of federal law. A charge off on my consumer report is a violation of my consumer rights. A late payment 15 usc 1681a is a transaction and should not have been added to my consumer report/ credit report. 

I've requested by phone that my name and address information be updated and all information not current be removed. It's still showing on my reports. 

I've requested all inquiries be removed off credit report Will you please check into this and have this bankruptcy removed and all transactions removed from my consumer reports/ 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 2024-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I was informed by XXXX XXXX about a collection that I had no knowledge of. I immediately contacted the collection agency to clarify that the debt was not mine and was a result of fraud and identity theft. However, the collection agency has not fulfilled their obligation to prove the validity of the debt.

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 2024-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
Debt was written off by years ago company received credit for debt and sold it to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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:
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 1681.10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information XXXX  other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  vears. 15 U.S.C. 1681s-2 ( A1 ) 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 non-monetary relief
Consumer complaint received 2024-01-21 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: The Receivable Management Services LLC
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to express my deep concern and dissatisfaction regarding a recent issue related to the handling of my account by Receivable Management. As a valued customer, I expect that Receivable Management would adhere to the highest standards of professionalism, integrity, and compliance with applicable consumer protection laws and regulations. 

The crux of my complaint lies in the unauthorized sale of my debt to a XXXX creditor, which has resulted in an unjustified collection account being reported on my credit report. This action not only violates my rights as a consumer but also has a XXXX  negative impact on my financial well-being and creditworthiness. 

I kindly request that you provide me with the purchase agreement, which evidences the lawful transfer of my debt to the aforementioned creditor. It is imperative that you promptly furnish this document to me as part of your obligation to transparency and in compliance with the Fair Debt Collection Practices Act FDCPA 15 U.S.C. 1692 et seq. and other applicable consumer protection statutes.

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 2024-01-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiry found in 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 2024-01-21 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: Chime Financial Inc
State: KS

Complaint narrative:
I am reporting this company, known as Chime, because there has been a fraudulent account opened in my name with these people, to which has negatively impacted my life and is completely fraudulent. I just saw on my credit reports that there was a fraudulent trade line from Chime/XXXX? With a balance owing to which I vehemently deny ever opening. I never even knew who these people were until I saw this negative trade line on my reports, as Ive never even done business with these people ever. Ive seen thousands of separate reviews of accounts being opened in peoples names, and not being able to close accounts, nor being able to contact anyone from their organization. And considering all my personal, identifying information, such as Social Security Cards, IDs, etc were all stolen back in XXXX and in XXXX, I know this is another fraudulent account I have to address. As per advice from my attorney, I am allowing this one and final attempt to rectify this situation, by closing this account with a balance of {$500.00} and deleting their trade line from all my credit reports ( XXXX, XXXX, & XXXX ) immediately. Or formal litigation will commence against Chime and all its subsidiaries. This is a clear sign of fraud and identity theft, and I expect Chime to view it as such as well, and remove their trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I'm filing suit if this isn't expunged in 20 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I deposited {$1000.00} of cash at a Bank of America ATM in XX/XX/2023. The ATM malfunctioned in the middle of the deposit and went black never registering my deposit. I filed a claim with Bank of America and was assured by the agent inside the adjoining bank and on the phone that they would take care of it and remedy the deposit ( to ensure it showed up as having been made ). Bank of America then about a month later declined the claim that I filed and did not allow for another way to remedy the claim. So basically they stole {$1000.00} of my cash that their ATM ate by denying my claim. Beware of depositing cash in Bank of America ATMs!

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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I'm filing suit if this isn't expunged in 20 days.

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 2024-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I am having paying my student loan thru Mohela. The fist payment I made it and then I signed in to have direct deposit by month to be paying the loan. I then got a letter that I owe 4 months of payments and I pay them. The next month I got a letter that I owe 5 months. Why are they not taking my money and stacking months and months of late payments when I am trying to pay everything. Now I dont have enough money to cover what I owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: HI

Complaint narrative:
I deposited a check for {$2400.00} into my business account ending in XXXX in XX/XX/2023. The check posted then I tried to transfer money to another bank 's account and there was an error. After talking with XXXX  agents and managers, some said that the check was flagged as counterfeit and that they would not release the funds to me. They transferred the money to another account, basically keeping the money. 
Their answers don't make sense because it was a XXXX XXXX check with all the bank 's information on it. They could easily have called that bank to verify the information. I want a check in that amount mailed to me. 

In XXXX of the letters sent to me, it says " no funds are to be released as the account is still under investigation. '' I also contacted the issuer of the check, XXXX XXXX Bank, and they said there is nothing wrong with the check and that it was deposited into my Truist XXXXFrom what the Truist managers said, the investigation ended a XXXX XXXX XXXX I want my money or I will sue Truist Bank.

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 2024-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am XXXX XXXX, I am submitting this complaint for myself. No third party is involved. Unknown account appears suspicious. Portfolio Recovery stole my identity. I never gave Portfolio Recovery permission to have my personal information which constitutes identity theft. This alleged account is deceptive and suspicious. No response has been provided. It has been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I opened a CD account, but, didn't ask for the {$12000.00} amount which was then voided and replaced with a {$2500.00} contract. This happened on XX/XX/XXXX. I was told that the funds would be back into my checking account on XX/XX/XXXX or XX/XX/XXXX. I went there XX/XX/XXXX and was told that a email was received about the money being replaced, but, that was all that was said. I scheduled another appointment for XX/XX/XXXX to ask them about those funds.

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 2024-01-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Delete hard inquiries XXXX XXXX : XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Hello, I had a credit builder credit card with Chime Financial Inc. 

I closed this card on XX/XX/2023, yet the card/account is still open based on my most recent credit report. 

You can see this reflected in the XXXX  credit report attached on page XXXX of XXXX.

Company response to consumer: Closed with explanation