vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-11-23 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: WI

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-11-23 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: WI

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, 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: WI

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, 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: WI

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: AL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-11-23 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: AL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: AL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
I am XXXX XXXX XXXX. I have never had a car or owned a car, I have never had a house or utilities under my name, I have never had a loan, or mortgage, or any type of credit card. The only bank Ive ever had was XXXX and I know I was negative there one time like {$400.00} thats it and I had one other bank which was XXXX and was negative but paid the negative balance then closed my account! I also never graduated high school so any loans in my name of any kind or trying to get a loan are false and incorrect. I lost my wallet more than three times in three years and Im sure someone has hacked my identity and I dont even know how to report it but recently Ive wanted to look at my credit and to see about how to improve it but I see all these inquiries on here and I have no idea where they are all coming from I live in XXXX ohio XXXX XXXX Ohio was my address as a minor along with children services, and as an adult Ive been on the streets or in and out of hotel rooms or with friends in Ohio but no where else. Please find out about helping me please and help get my identity back please

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 2022-11-23 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: GA

Complaint narrative:
In reference to complaint # XXXX Your company claims the accounts for XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  were verified. These accounts remain inaccurate after my first dispute. 15 USC 1666 clearly states an alleged creditor may not mark any late payments on an extension of credit. Furthermore I have never been late on these accounts. Please provide your method of verification or delete any late payments on these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
I am XXXX XXXX XXXX. I have never had a car or owned a car, I have never had a house or utilities under my name, I have never had a loan, or mortgage, or any type of credit card. The only bank Ive ever had was XXXX and I know I was negative there one time like {$400.00} thats it and I had one other bank which was XXXX and was negative but paid the negative balance then closed my account! I also never graduated high school so any loans in my name of any kind or trying to get a loan are false and incorrect. I lost my wallet more than three times in three years and Im sure someone has hacked my identity and I dont even know how to report it but recently Ive wanted to look at my credit and to see about how to improve it but I see all these inquiries on here and I have no idea where they are all coming from I 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 Please find out about helping me please and help get my identity back please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am XXXX XXXX XXXX. I have never had a car or owned a car, I have never had a house or utilities under my name, I have never had a loan, or mortgage, or any type of credit card. The only bank Ive ever had was XXXX and I know I was negative there one time like {$400.00} thats it and I had one other bank which was XXXX and was negative but paid the negative balance then closed my account! I also never graduated high school so any loans in my name of any kind or trying to get a loan are false and incorrect. I lost my wallet more than three times in three years and Im sure someone has hacked my identity and I dont even know how to report it but recently Ive wanted to look at my credit and to see about how to improve it but I see all these inquiries on here and I have no idea where they are all coming from I 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. Please find out about helping me please and help get my identity back please

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 2022-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Chime Financial Inc
State: TX

Complaint narrative:
In XXXX 2022, I rented two different AirBnBs. I tried to get my money back from both from AirBnB, I was denied. I filed two different chargebacks from my bank, Chime, and both chargebacks were denied. The paperwork Chime sent me claimed, " No error occured and the customer didn't follow the refund policy through AirBnB. '' However, I filed the claim through Chime on the grounds of " Bad experience. '' At one AirBnB, I got a bedbug infestation which was severe, and months later I'm still suffering. The host harrassed me and was very horrible. This was a bad experience and I got no compensation for my ruined clothes, or medication costs, or severe scarring on my arms and legs due to the bites. I submitted proof of the incredible horrible bites which also proved I was staying at that AirBnB, to Chime. I submitted plenty of evidence to Chime and still got denied with no chance to appeal. The second AirBnB, I was being screamed at by the male host ( I'm a single woman travelling alone ) and it was a serious safety issue which I have recorded on my phone. AirBnB made me stay another night there and refused to help me. I also requested my money back for this stay, as it was a bad experience. I submitted a separate email with the videos to Chime showing the harrassment of the man screaming and cursing at me, and Chime didn't even acknowledge them or me. They were planning to deny my claim the entire time. I want my full claim approved for both stays. I have been a good customer of Chime for many years now, depositing XXXX XXXX XXXX XXXX XXXX, and only ever requested one chargeback for under {$200.00}. I was literally a 3 day drive away from my hometown. I had no way to get back home until 2 weeks later as the first AirBnB made me rent another AirBnB which I had to pay in full. Then on the second stay, AirBnB told me to rent ANOTHER AirBnB instead of assisting me, so I definitely want my full amount back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
I completed a financial on the platform XXXX. In the account settings, I have my XXXX Chime Bank receive these funds. I know the information is correct because XXXX used that information to receive money to my acct. XXXX wired me my money on XXXX for a total of {$100.00} It is now XXXX. I am attaching some very shady/confusion answer about the Chime system receiving my payment but " can not give me exact information at this time. '' Is this the type of response they give to financial regulators of agencies of the US Federal Government? I sincerely doubt it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BlockFi Inc
State: FL

Complaint narrative:
Blockfi is holding all of my cryptocurrency in my online wallet and will not let me withdraw or transfer any. A message to the help desk has gone unanswered other than a post saying there working on the issue. At this time the are holding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Your company has reported 3 accounts inaccurately after you claim to have verified these accounts. The accounts are showing 60 day late payments after the account was marked paid the month prior. An account can not be 60 days late if it was paid as agreed the month before. I have attached screen shots to prove you did not do a proper investigation of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XXXX XXXX received a call from an unknown caller. I answered he said he was from XXXX XXXX processors office I was involved in a civil suit to call an XXXX number for mor info. I called the lady on the phone she said I was going to be sued for credit card debt in the amount of {$3000.00} that was owed to Bank of America she said the account was from year XXXX until XXXX. I said I dont remember anything on this debt. At some point I asked for some proof of debt. I was told Bank of America wanted to file a suit that the judge will have that info. I then said even if this is my debt the statute of limitations has expired. She said that they will still sue. They had my credit report information and my social security number When I got off the phone I called the courts. I was told nothing has been filed as of yet. I called them back to get an address from the law office I was put on hold for a long time and I eventually hung up

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 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: AZ

Complaint narrative:
I tried to sign into my bank account on XXXX. I was not able to get in so I called my bank. My pin number, email address, username, phone number and address were changed without my permission. While I was on the phone with my bank, someone transfered {$480.00} from my savings to checking, then {$480.00} from checking to a XXXX account using a debit card I am not familiar with. Their own fraud dept called me asking if I changed my address and I told them I did not. I disputed the transaction immediately. I was informed on XX/XX/18 that my dispute was denied and I was sent an email saying " Our records show that the transaction was initiated from a phone number, IP address, or device linked to you. '' They sent me detailed IP transaction records. Someone else 's phone was used to steal my money.

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