vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 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: PA

Complaint narrative:
Fraudulent account appearing on my credit report. 

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 2023-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Hello, I am here to explain to you guys the crazy week ive had. On XX/XX/23 I paid an email given to me by a small local contractor business for property management through zelle. The email given to me was misspelled and I sent XXXX different payments to this misspelled because I did not know it was misspelled. XXXX payment being {$3500.00} on XX/XX/23 and the other being {$1000.00} on XX/XX/23 through Zelle. I bank with XXXX XXXX XXXXXXXX and have contacted this issue and was told to contact Zelle but Zelle said nothing can be done. The small local contractor business was never paid and told me they had misspelled the email and had apologized to me. I have worked with this company before and they are very apologetic for what happened with their error. I am here because under Regulation E I am entitled to my rights as a consumer. The money in total of {$4500.00} was sent to the wrong email which is XXXX which was not the correct email it was supposed to be sent to. I wanted a charge back or some sort of reach out to that bank to have my money returned to me so I can send it to the correct person which is XXXX ( XXXX ) XXXX. I have contacted XXXX and have not received an answer back and I believe they are keeping the money, and are most likely spending it illegally without my consent. I did not authorize that person to receive my funds, it was intended to a whole other purpose but a small mistake of a misspelled email is why I am here. Please I need your assistance in receiving my funds back in order to pay the company I intended to pay. I have evidence below of bank statements and Zelle confirmation numbers to help you investigate my case. I have also requested the money from incorrect Zelle that I sent it too, but I have been left ghosted for my request of money I had sent. Hope to hear from you guys soon as possible, I really need my funds back, especially the person who received my funds had no obligation to receive or spend my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: FL

Complaint narrative:
I've recently obtained a copy of my credit report and discovered that I have been a victim of identity theft. As my family and I are in the process of buying a home, this news has left me feeling horrified and anxious. This unfortunate situation has had negative impact in my life. I would like to request that you take immediate action and remove the fraudulent accounts from my credit report. I've attached the relevant documentation for you reference. I've also sent the credit bureaus the same documents I'm sending you. I appreciate your attention to this matter and hope that you will work swiftly to resolve this issue. Thank you for you understanding. Please see attached

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 2023-02-18 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: FL

Complaint narrative:
I've recently obtained a copy of my credit report and discovered that I have been a victim of identity theft. As my family and I are in the process of buying a home, this news has left me feeling horrified and anxious. This unfortunate situation has had negative impact in my life. I would like to request that you take immediate action and remove the fraudulent accounts from my credit report. I've attached the relevant documentation for you reference. I've also sent the credit bureaus the same documents I'm sending you. I appreciate your attention to this matter and hope that you will work swiftly to resolve this issue. Thank you for you understanding. Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: CA

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 XXXX XXXXXXXX, 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.

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 2023-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
Please see attached notice. 
Summary of action by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX 1 ) Did not allot by law 1 year before reporting debt 2 ) XXXX reporting a medical debt that is under {$500.00}

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX, I used my Chime app to authorize a {$1000.00} transfer from my personal checking account at another bank into my Chime checking account. This transfer was from an account I had previously linked to Chime and had used to make multiple transfers from my other bank account to Chime, which I use as my primary saving 's account. 

On XX/XX/XXXX, Chime emailed me to say that due to unusual activity on my account, security measures were in place that would limit my ability to use or transfer my funds. I have received multiple emails from Chime requesting various documents to verify the deposit and my identity. Each time I have submitted additional documents, I have received an email reply that the documents were insufficient and Chime needed different supporting documents to resolve the limits placed on my account. 

I have requested multiple times to speak with a representative who can explain to me what specific issue has occurred and why the provided documentation has been insufficient. Instead Chime has sent more email communication explaining that they will not resolve the issue until the additional documentation is provided. 

I have provided Chime with the following documents to try to clear the limits on my account : 1 ) front and back copy of my PA driver 's license and change of address card ; 2 ) recent transaction register from my non-Chime checking account, showing the {$1000.00} transfer to my Chime account authorized on 2/13 ; 3 ) a pay stub from my employer ; 4 ) a selfie of me holding my PA license and a paper with my name and the date ; 5 ) my last available bank statement ; 6 ) a letter outlining the source of the deposited funds and my reason for depositing the funds ; 7 ) a copy of my signed social security card, with all but the last four digits redacted to ensure this information isn't compromised, and because Chime already has my full SS number and has used it to verify my identity on customer service calls.

Chime has refused to provide additional information about the initial issue or the reasons the verification I provided has not cleared the security measures from my account. Chime has currently limited my access to the over {$8000.00} in my account to increments of no more than {$100.00} for credit and debit transactions, and has shut down my ability to transfer money in or out of the account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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:
Identity theft. Someone use my SSN and some identity information open a credit card on XXXX. It was issued by XXXX Bank : XXXX XXXX card. I got a hard inquiry on it. An XXXX order was placed under this card, the address was not mine but using my name instead. I have cancelled the order and froze the credit score.

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 2023-02-18 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: NY

Complaint narrative:
Identity theft. Someone use my SSN and some identity information open a credit card on XXXX. It was issued by XXXX Bank : XXXX XXXX card. I got a hard inquiry on it. An XXXX order was placed under this card, the address was not mine but using my name instead. I have cancelled the order and froze the credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prime Recovery LLC
State: LA

Complaint narrative:
On XX/XX/2023 at XXXX, I received the following text message from the number ( XXXX ) XXXX, to my number at ( XXXX ) XXXX : Can we help get this resolved? Chat NOW at www.primerecoveryllc.com or login XXXX XXXX XXXX This is an Attempt to Collect a Debt Reply STOP to end This seems like a pretty clear scam. Even with the lack of any information, by using SMS I'm sure they've violated FDCPA and other telecommunications regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: MI

Complaint narrative:
On XXXX XXXX The Credit Bureaus stated XXXX XXXX XXXX XXXX, XXXX/ Account XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal. They also violated my rights under U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report. 

U.S.C 1681 section 602 A : States I have a right to privacy.

U.S.C 1681i ( 5 ) ( a ) ( i ) ( ii ) Therefore this account was not investigated properly .... This information needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: MI

Complaint narrative:
On XXXX XXXX The Credit Bureaus stated XXXX XXXX XXXX XXXX XXXX Account XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal. They also violated my rights under U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.

U.S.C 1681 section 602 A : States I have a right to privacy.

U.S.C 1681i ( 5 ) ( a ) ( i ) ( ii ) Therefore this account was not investigated properly .... This information needs to be removed immediately.

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 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After a frustrating phone call with a Macy 's customer service representative, I am submitting this complaint as precursor to a legal resolution against Macy 's credit card services. On XXXX XXXX, I requested a reduction in my Macy 's credit card interest rate which is currently at 30.99 %. The request was due to my call to XXXX XXXX as a XXXX XXXX XXXXe solider. The debt and high interest rate is negatively impacting my ability to do my job as leader in the XXXX XXXX. 

I have federal legal protections under the service member 's civil relief act ( SCRA ) that require lenders to lower the interest rate of a service member 's debt they aquired prior to their XXXX XXXX period. My request for an interest rate reduction under XXXX was denied by Macy 's. Further, Macy 's does not have an option to submit a request for SCRA protection as most lender do. They require customers to speak to foreign service representatives that may pose a fiancial security risk to actively serving members of the armed forces and who make simple transactions difficult due to their poor understanding and use of XXXX. 

I have limited time to handle finacial matters because of my XXXX XXXX status and would like this matter to be ajudicated as soon as possible.

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 2023-02-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC
State: NV

Complaint narrative:
I have set up a payment plan with RMS Collections phone number, XXXX, but they called inbetween my set up paydates to ask for money and harras 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 2023-02-18 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: HI

Complaint narrative:
I call Experian, XXXX, XXXX and someone was cursing and swearing at me. Laughing in the background very rude .Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( Experian XXXX, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.Experian, XXXX, XXXX are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email Experians, XXXX, XXXX CEOs as last resort before I Sue them all.

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 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I sent a letter to Chase Credit Card XXXX XXXX XXXX ) on XX/XX/2023 to report and provide the necessary information to have my account correctly updated ; which was ONLY a name change. I provided a copy of my Court Decree Name Change, my Marriage License, my new name change Social Security card, my new Driver 's License and also a Social Security Verification form that was sent by Chase and returned with the listed information above. This form letter also was sent to several other credit card companies, the 3 major Credit Bureaus - XXXX and to the Consumer Financial Protection Bureau XXXX ( CFPB should have a copy of that letter in my file verifying this information. ) The ONLY companies to complete this change CORRECTLY was XXXX XXXX and XXXX... everyone else either, ignored this information sent or ONLY changed my last name to XXXX and left my old first name to XXXX. 
When paying my bills on line XXXX  XX/XX/2023, I discovered that my Chase credit card had been closed. I have never received an explanation in the mail or by phone ... and when I contacted Chase on XX/XX/XXXX and XXXX, after talking to 2 customer service representatives and to 2 " so-called '' supervisors ; NO ONE could explain the closing of my account other than " Bank Policy ''?!?! I have been a customer of Chase for 20 years and have had this credit card for 12 years ... NEVER a day late and balance was ALWAYS paid in full each month. There has definitely been an erroneous mistake regarding my account, and this is why I am requesting an appeal. 
This credit card is extremely important to me because it is linked to several other accounts : XXXX, XXXX, XXXX, and auto pays. 
This closure resulted in a negative impact on my credit score ; in which, I take great pride in establishing and maintaining a credit score of 800+. ( Credit utilization rate and length of credit history are both important factors to me. ) On XX/XX/2023, I received in the mail another Social Security Verification form that I completed and mailed back to Chase ; in addition, I called and gave the information over the phone to a customer service representative. ( He informed that I did not have to mail this 2nd form back, since he recorded the information on my file. I sent it back in the return envelope that was provided anyway. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18 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: MN

Complaint narrative:
I went to Apply XXXX XXXX XXXX in XXXX of Minnesota XXXX XXXX Ct, XXXX, MN XXXX phone number XXXX Date XX/XX/2023 I went in with a pre approval letter from XXXX XXXX told sales rep I only wish to work with XXXX XXXX approval I have and do not wish to give consent to work with any other lenders, sales rep agreed, took my information moments later ran XXXX hard inquires without my permission sales rep name is XXXX XXXX, Lied to my face this is against the law I did not agree to this and wish to continue forth with a law suite as my score dropped points to purse damages against my name. at this time I am now not able to purse any car as I will not get the APR from my credit as this company took that chance from me.

n accordance with the Fair Credit Reporting act the inquires listed were not authorized by me and, has violated my rights. 
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 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, also must prove validation of agreement listed by party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: MN

Complaint narrative:
I went to Apply XXXX XXXX XXXX in XXXX of Minnesota XXXX XXXX XXXX, XXXX, MN XXXX phone number XXXX Date XX/XX/2023 I went in with a pre approval letter from XXXX XXXX told sales rep I only wish to work with XXXX  XXXX approval I have and do not wish to give consent to work with any other lenders, sales rep agreed, took my information moments later ran 5 hard inquires without my permission sales rep name is XXXX XXXX, Lied to my face this is against the law I did not agree to this and wish to continue forth with a law suite as my score dropped points to purse damages against my name. at this time I am now not able to purse any car as I will not get the APR from my credit as this company took that chance from me. 


n accordance with the Fair Credit Reporting act the inquires listed were not authorized by me and, has violated my rights. 
XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 Finance 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, also must prove validation of agreement listed by party.

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