vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-01 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: LA

Complaint narrative:
On XXXX XXXX I contacted Chime Bank regarding transactions that I needed to dispute from XXXX XXXX XXXX They charged my Chime card twice. Once on XX/XX/2023 for {$99.00} and on XX/XX/2023 for {$43.00}. I canceled the order on XX/XX/2023 and the company refused to refund me my money unless I paid them {$99.00}. I never agreed to these terms nor have I received any products from this company. I called Chime bank and submitted dispute claim number XXXX and Chime bank still haven't issued me a refund for these fraudulently charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: IL

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-04-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-01 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX 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 2023-04-01 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: TX

Complaint narrative:
i accordance with the fair credit reporting act XXXX XXXX XXXXXXXX # XXXX, has violeted my rights. 
15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 a section 2 : it also state consumer reporting agency can not furnish account without written instructions.

15 usc 1666B : 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 2023-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
im unable to add my card to XXXX XXXX and XXXXXXXX XXXX. i can not get XXXX via sms or email. i called customer support to get them to manually activate XXXX XXXX. they said they can not do it and i need to contact XXXX. i already contacted XXXX, they said they have no control and its the bank that needs to activate XXXX. and that is correct. I called hsbc many time, they are no help. 

I also called many times to have the hsbc relationship team to call me. several requests were made, but no contact from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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

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 2023-04-01 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: AZ

Complaint narrative:
This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/2023.

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 2023-04-01 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: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXXXXXX 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 2023-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$350.00}

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 non-monetary relief
Consumer complaint received 2023-04-01 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: NC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$220.00}

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 non-monetary relief
Consumer complaint received 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
See attached documents detailing this company XXXX XXXX Acct # XXXX violating my consumer rights by reinserting an collection account that was removed from my consumer report. I submitted a dispute and had this account removed from my consumer report there is no reason for this account to reappear back onto my consumer report just 3 days after it was removed. According to 15 U.S. Code 1681i ( B ) ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: CA

Complaint narrative:
My XXXX card information was stolen back of XXXX XXXX XXXX and is still effecting my XXXX account til this day ( XX/XX/XXXX ) someone is pretending to be me and calling XXXX. They call XXXX using my information to verify and then they tell XXXX the cards are either lost or stolen and have them replace the card but make up stories that theyre on vacation and need the card shipped to them and not my address on file. 
I have accounts in balances well over the credit limit that XXXX is trying to hold me responsible for. I have shown them proof many times those charges were not mine and they still deny my claim. My spending there are charges in New York and XXXX XXXX and charges from $ XXXX {$2700.00} which is insane. 
All the cards have been stolen and copied many times XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card.

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 2023-04-01 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: CA

Complaint narrative:
My XXXX card information was stolen back of XXXXXXXX XXXX XXXX and is still effecting my XXXX account til this day ( XX/XX/XXXX ) someone is pretending to be me and calling XXXX. They call XXXX using my information to verify and then they tell XXXX the cards are either lost or stolen and have them replace the card but make up stories that theyre on vacation and need the card shipped to them and not my address on file. 
I have accounts in balances well over the credit limit that XXXX is trying to hold me responsible for. I have shown them proof many times those charges were not mine and they still deny my claim. My spending there are charges in New York and XXXX XXXX and charges from XXXX XXXXXXXX {$2700.00} which is insane. 
All the cards have been stolen and copied many times XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I instructed the bank to write a check for my apartment lease using the bank 's on-line bill pay service for the lease payment due XX/XX/XXXX. The payment was not delivered on time and I was assessed a {$50.00} late fee by my landlord. 

The Ally Bank online services agreement states that " We will be responsible for any late payment related charges up to {$50.00} should a payment post after its Due Date as long as the payment was scheduled in accordance with the Scheduling a Payment Section above '', and I would like the bank to uphold its side of this agreement. 

On XX/XX/XXXX I sent a message to the bank with the details of the missing payment and a copy of the statement showing the late fee that was charged. Ally Bank responded on XX/XX/XXXX saying that review of the documents " should be complete within 3-5 business days ''. There was no further communication from the bank. 

On XX/XX/XXXX I called to follow up about this request and the representative said that no information was available but that should would request further action and that I should expect a response within a week. There was no further communication from the bank. 

On XX/XX/XXXX I called to follow up about this request again and got the same story no information was available, but expect a response within a week. There was no further communication from the bank. 

On XX/XX/XXXX I called to follow up about this request and was told that the request had been closed without anyone notifying me. The representative said that the request would be reopened and that I should expect a response from the bank within a week. 

On XX/XX/XXXX I received a call from the bank requesting additional documentation ( specifically a copy of the lease showing the payment due date ). I submitted this documentation on XX/XX/XXXX, and on XX/XX/XXXX received a response requesting that I " Please allow 7-10 business days for this to be processed ''. 

Now, ten business days later, with still no response, and ten weeks after my original request, I am escalating this issue to the CFPB. 

The reference number for this issue provided by the bank is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My bankruptcy of XXXX was dismissed and it shouldnt have been. It is causing me hardship. I was homeless with XXXX children and thats one of the reasons I filed the bankruptcy. I was at the end of my bankruptcy in XXXX when me, XXXX of the XXXX kids caught XXXX. Bankruptcy trustee dismissed my case even after I appealed with proof. I was made to file another bankruptcy instead of it being modified because of the situation and losing my job because I could not work. I have wrote many letters and called numerous times trying to appeal the decision and to get this off my credit. Even with proof it still remains on my credit and they also refuse to reconsider the case. Please help me because no one else is trying to help me and my XXXX kids become better and live better in society. I have worked hard and got a place to stay and a great job now, this being on my credit is hendering us from having a better life.

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 2023-04-01 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: AL

Complaint narrative:
My bankruptcy of XXXX was dismissed and it shouldnt have been. It is causing me hardship. I was homeless with XXXX children and thats one of the reasons I filed the bankruptcy. I was at the end of my bankruptcy in XXXX when me, XXXX of the XXXX kids caught XXXX. Bankruptcy trustee dismissed my case even after I appealed with proof. I was made to file another bankruptcy instead of it being modified because of the situation and losing my job because I could not work. I have wrote many letters and called numerous times trying to appeal the decision and to get this off my credit. Even with proof it still remains on my credit and they also refuse to reconsider the case. Please help me because no one else is trying to help me and my XXXX kids become better and live better in society. I have worked hard and got a place to stay and a great job now, this being on my credit is hendering us from having a better life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: T.S. Holdings
State: TX

Complaint narrative:
I was put in collection while waiting for the trial court which I was a plaintiff. The defendant was cited but did not appear to the trial. After consideration and examination of all proofs, the judge found that I wasn't supposed to be charged but they must give my deposit back ; the judge ask me to find a debt attorney to get me out the collection, that's why I contact you before I take any further action. 
I try to contact them but it seems like they don't want to deal with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i was trying to buy a house and notice there was multiple names on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i was trying to buy a house and notice there was multiple names on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$220.00}

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 2023-04-01 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: TX

Complaint narrative:
i accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, has violeted my rights. 
15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 a section 2 : it also state consumer reporting agency can not furnish account without written instructions.

15 usc 1666B : 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