vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have the Chime card. I was attempting to use it on XX/XX/XXXX and when putting in the cvv code it said wrong code. I checked my card and it was correct so I tried again, same thing three times. I then tried to chat on their app with customer service and it would not open up. I tried several more times with no success. At this point I checked online and saw that many, many people were experiencing the same problems, not able to use their card, being stuck in restaurants or stores without being able to pay. Their app had obviously been hacked. I called their customer service and after hours finally got through to someone who said they were helping but it was a scammer. Chime had recently added a pay anyone option and the person helping ended up being a scammer and through the pay anyone option sent all my money to him except for XXXX cents. I reported it immediately and filed a complaint. They said they would do an investigation and have an answer in ten days. Well they sent their answer less than 24 hours later and said no error occurred and would not give me my {$250.00} back! I called and went through the same thing three times before giving up hope they would help. The customer service people were all people whom English was clearly not their first language and I couldnt understand them nor could they understand me. They kept thinking I had used the pay anyone option and sent this person the money willingly however I never used it even once. The scammer had hacked into Chimes own app as this happened to hundreds upon hundreds people I saw online and had hacked into the pay anyone feature and taken their money and they said the same thing to them, no error occurred. They refuse to budge and obviously did zero investigation into anything as it was always an quick response. Their app was scanned, this is clearly their fault but they are just refusing to give people their money back. I thought they had insurance? This is no way to treat customers. I have plenty of screen shots from that day of people reporting the same thing. I am a XXXX senior citizen living on a tight fixed income and I need that money badly. Can you help? I have exhausted all efforts with Chime. Isnt it illegal to do this? I can add screen shots if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-16 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: AZ

Complaint narrative:
EQUIFAX is obligated by the FCRA to report accurate accounting, consumer has advised ALL the inquires were fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for e-Oscar report. If EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under SEC to follow certain rules. EQUIFAX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX I will be filling form 211 treasury omb forms to audit consumer account. EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX has reach out to me concerning a credit card collection .This is against my consumer rights. 
15 U.S.C. 1681 section 602 A. State 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 an account without my written instructions.

15 U.S.C. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate in connection with the collection of any 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 non-monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
I used a XXXX  XXXX card to purchase furniture that I received broken, twice. The accrued interest started when the order was placed, not when I actually received furniture. I paid the amounts requested on every statement and was just charged the accrued interest of {$540.00}. I tried to call to explain it to them but they will not reverse it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On or about Friday XX/XX/2023 I made an attempt to reach out to Wells Fargo concerning my application for Mortgage Assistance was received. However I was misinformed that I put a cease and desists order on the Mortgage Account which is not true. And then later on that day I receives these two documents in the mail stating a new payment amount pertaining to the mortgage. But yet they has my home scheduled for XXXX XXXX on XX/XX/2023. And Im left in suspense because Im willing to pay the new mortgage amount and move on but Wells Fargo refuses to communicates with me

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 2023-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
portfolio recovery im not exactly sure the amount the took from my self and my wife and also the damage they did to both of our credit history for the last several years. They took action against us they were not the original creditor, we had settled/paid accounts with several different credit card companies, we received w9s we had also from the various companies and still portfolio months, years later would collect, destroyed our credit and granished bank accounts illegally. Some of the debt was even 14 yrs old. And they continue to do so as of today!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: WA

Complaint narrative:
In accordance with the fair reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy.

15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Also under USC 15 section 1666B states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
XX/XX/XXXX a fraudlent document was made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX mn and XXXX XXXX XXXX  i XXXX  XXXX XXXX am revoking my signauture so the contract is null and void money owed XXXX for finance amount and XXXX for credit charge and XXXX cash deposit and XXXX for service contract charge so the total cash price is XXXX plus XXXX for public officals total owed XXXX plus XXXX for debt discharge from CREDIT ACCEPTANCE fruadlent contract number XXXX on XX/XX/XXXX and my XXXX XXXX XXXX XXXX number # XXXX XXXX XXXX XXXX XXXX WAS TAKEN AND I WANT IT RETURNED IMMDEITLY.WITH OUT PREDUCIE.

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 2023-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
National credit systems contacted me via phone and informed me of the debt emailed me a list of charges that I then informed them could not belong to me as I lived in another state at the time of these charges. And when the XXXX took over The highland bluffs I had a rejected application and I moved to XXXX XXXX for a job offer. Upon investigation I found police reports stating the tenants were served an eviction which me and my partner had no knowledge of being in another state and I was recovering from giving birth so even if I had know about the supposed court date I would not have been able to make it. There were service requests being made in that apartment under my name which I only just found upon trying to dispute this. It seems as if when the new company had bought out the old that they had a new tenant put in an application and begin living in the apartment under my lease as I have never signed a lease with XXXX XXXX XXXX Which would also make sense for the use of utilities while I was in a completely different state. As well as when I forwarded my mail to my current address I had started receiving the new tenants mail further proving another person living in this apartment under my name. Then recently a duplicate collection from the Apartment was added from another collector-XXXX, as well as I recently received a third collection this time via mail ( the only written one I have received ) which I disputed directly with them upon arrival of the letter. Yet the apartment just keeps selling this fraudulent collection. 

I have included charges from XXXX as well as court report which shows various prices and dates as well as my application rejection for these apartments, services requests made and XXXX XXXX court records showing me in XXXX XXXX and not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: CA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Atlantic Recovery Solutions LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I got a voice message from something called ARS ( only a acronym, nothing else ) by a man named XXXX asking for me to call because of a " Time sensitive matter '' with no other information on what it was about or who they were, same with my parents and my sister. Being I get scam calls sometimes I didn't call because I naturally assumed it was a scam. In the month of XXXX I got 2 text messages in a week to " Confirm my location '' from ARS ( again just the acronym ) Finally on Wednesday XX/XX/XXXX I got two messages while at work from A XXXX XXXX from two different numbers within 10 minutes of each other from what I now know to be Atlantic Recovery Solutions involving supposed debt from XXXX, A institution I haven't been involved with in at least 8 years, asking to verify personal information about myself making it seem like they tried to reach me multiple times instead of that one time in XXXX. My mother and step father as far as I know were also called in that time too. I was advised not to respond. 

I have never received anything in the mail or in writing about anything involving any supposed debt. Just a call with at the time vague acronym ( ARS ). I have even checked all 3 credit reports and have found nothing on them indicated in the last 7 years that most credit reports go back. If their is any supposed debt why attempt to collect after it's more than likely legally passed the Statue of Limitations to take any legal action in most states, Including the current SoT of 3 years in my state or the original one of 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: WA

Complaint narrative:
In accordance with the fair reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy.

15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Also under USC 15 section 1666B states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-04-16 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: WA

Complaint narrative:
In accordance with the fair reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy.

15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Also under USC 15 section 1666B states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have found out that there are many unauthorized Venmo transactions charged on my account, and also my debit card and phone number was linked to someone elses account, I have reported to Venmo and they said they cant do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attempted to correct this information with the company, only thing that was updated is the historical account information. Specifically, XXXX XXXX XXXX XXXX XXXX XXXX balance is not correct. The correct balance should be : {$58000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime Bank allowed a merchant to overcharge my card {$400.00} extra dollars the purchase was only supposed to be for {$80.00} the purchase amount that was processed was {$480.00} this is clearly a error a provisional credit was provided for {$400.00} at the time falsely did an investigation after I sent the receipt proven I only spent {$80.00} they still charge my car {$400.00} and now it's in a negative {$400.00} clearly this is a breach of contract

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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. 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. The following inquiries were also opened under my social security number fraudulently as well. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: KY

Complaint narrative:
According to USC 1681s-2 ( a ) 1 ( B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer that specific information is inaccurate and ( ii ) the information is in fact inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation