vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IA

Complaint narrative:
On XX/XX/XXXX I tried to transfer {$50.00} from my chime checking account to one of my other accounts through an option where you can send a link to someone's phone number and then they are supposed to put in their debit card information and then they will have the money transferred into their account but when I put in my second phone number to transfer the money to myself in a different bank account I verified my phone number and then once the transfer was complete it said it transferred into someone else 's chime account I immediately called the institution the person I initially talked to told me that my money would be back in my account within 3 days after 3 days passing I called back another person told me that they weren't going to refund my money I called back again another person told me that they would email me in a day or two I never received an email I called again after about a week and was told once again that they would not give me my money back even though they made the error and put it into someone else 's account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24 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: TX

Complaint narrative:
A few years ago, someone filled federal taxes in my name, which now requires me to use an IRS issued identification number to file my taxes. Now, someone has taken out an ample amount of credit in my name, which is beyond frustrating. I noticed this issue when i pulled my credit report on XX/XX/2023. I pulled my credit because I am interested in pursuing my XXXX XXXX & wanted to apply for FAFSA ( federal aid ). I figured to check my credit before applying for federal student aid. I have filed a dispute with Equifax, XXXX, and XXXX. 

All of the information ( credit reports, Identify Theft Victim 's Complaint and Affidavit, my state identification, and a list of items that are fraudulent ), is attached to this report, in which the accounts listed in the documents that start with 'Exhibit to FTC Affidavit Page ... ', are fraudulent. 

What boggles me is that I have fraud alerts ( freezes ), on my reports. However, lately ( within the past few months ), i've been receiving weird, unknown calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: TX

Complaint narrative:
The current status is all wrong and is greatly affecting my credit profile. Please correct/update this inaccurate information on my credit report. 

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 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have tried repeatedly to close my husband 's accounts with Bank of America I have submitted paperwork from the court I have submitted their paperwork and still I have not received the funds from the checking and savings might I add has got no interest in over a year now even one penny. Not only is this outrageous it's unacceptable. I am asking them to close the account and send me my funds. This is the fourth time I've had to address this and Bank of America is more unreasonable than they were on day one. Their banking practices are horrendous. All I'm asking is for them to send me a check for the savings and checking and close the accounts per the court. There is no other excuse for the delay I want my money and I'm still waiting their last response was so ridiculous it's laughable. They need to explain why no interest has accrued it on either account for over a year because this to me seems like theft on their part.

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 2023-03-24 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: FL

Complaint narrative:
I went to an auto dealership and they told me that they were only doing a soft pull on my credit but as soon as I check my credit report, I realized that there were many hard inquiries reported on there. These inquiries are 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 2023-03-24 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: IN

Complaint narrative:
I disputed an unauthorized inquiry with Equifax from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, and it still hasn't been removed. I'm giving them one more chance before I start litigation and collect the minimum {$1000.00} judgement for this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: TX

Complaint narrative:
The current status is all wrong and is greatly affecting my credit profile. Please correct/update this inaccurate information on my credit report. 

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 2023-03-24 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: Exeter Finance, LLC.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: PA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents 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 explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: PA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents 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 2023-03-24 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: PA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: GA

Complaint narrative:
I have made several attempts to correct this issue over the past few years. I last spoke with XXXX and Transunion on XX/XX/2023 regarding a charge off account with XXXX XXXX in the amount of {$1200.00}. I I have also reached out to XXXX XXXX and they inform me to contact XXXX and TransUnion regarding this issue. There has not been any resolve and this account is not accurately being verified as well as being reported incorrectly. Also, my personal information was not correct when I called to discuss this account. The credit bureaus corrected my person information, but did not remove this account.

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 2023-03-24 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: FL

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 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.

15 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XX/XX/XXXX when preparing to buy my first house, I discovered that my estranged father fraudulently opened a credit Bank of America credit card listing me as a co-borrower without my knowledge or consent ( or BoA made an error ) in XX/XX/XXXX when I was a minor ( age XXXX ). He has continued to use this card with me as a co-borrower, and it is now maxed out at $ XXXX. 

I have attached the XXXX dispute XXXX " resolution '' letter ; I could not find or obtain copies from the other two bureaus. I have also filed the attached FTC Identity Theft report XXXX. I have attached CFPB complaint XXXX against Bank of America where they just closed the complaint, told the CFPB not to give me any details on BoA 's " resolution '', and then failed to respond to my complaint at all for over three weeks. It was not until today when the BoA XXXX department put me in contact with the XXXX department that I learned that BoA refused to take me off the card despite the fraudulent origins.

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 2023-03-24 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: VA

Complaint narrative:
Called Equifax today XX/XX/23 and spoke to the fraud department. My first call was to XXXX who stated regarding confirmation number XXXX, that the information I disputed was verified by the creditor. I asked how the information was verified and was basically told the information was verified by hearsay. Equifax was not able to supply any documentation that validated the debt they are reporting on my credit file. 

I called back to check to see if ANY documentation was supplied on any of my six disputes. I spoke to XXXX who wanted to confirm my address ( which is not correct by the way and probably part of the reason for the fraudulent information ). He proceeded to go through each dispute and advised me that the information was verified by the creditors, again with no documentation. 1 creditor ( XXXX XXXX ) is listed on my report 3 times for 3 different accounts. Two of those accounts I'm getting calls from a different creditor about, so there is no way these accounts are being verified. 

Under the Fair Credit Reporting Act ( FCRA ), I have a right to the fair and accurate reporting of my credit information. Consumer Reporting Agencies bear the responsibility to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Okay, I got scammed by a business man that found me on XXXX I was on these groups ( that i have now been kicked out of ), that would basically help you make money ( I thought legally ). This guy had sent me a message, saying that he just wanted to help me make easy and safe money, and that there were absolutely NO risks whatsoever, regarding any sort of legal action. He told me I wouldnt get in trouble and he was just trying to help me make money because i told him how Ive been struggling. I eventually gave him access to my bank account ( user name and password ), i THOUGHT everything was fine. He deposited a check for me, saying that he was just trying to help me, and that there was nothing to worry about for me. He said the check would go through and i would be fine he was just trying to help me make a quick buck. He had been communicating with me throughout the whole process and then all of the sudden things started going down. He started making authorizations that i didnt approve because i gave him by PIN number. I also found out that he made some sort of claims that I didnt approve ( and I still dont know why ), he put money in my account and I sent it back to home because its not mine. I told him how I was uncomfortable and how I couldnt access my account anymore and he said everything was fine. 

I called my bank not thinking anything of it, but they literally restricted my account making me lose access. WHICH I DIDNT KNOW ABOUT. Then they told me theres nothing they can do. They didnt even tell me how to file a claim or anything to get help. I was trying to fix the proble, because I got scammed. This wasnt my doing, and I wanted my account back. 

Then they cancelled my cards my account, and said they would just be sending the money through check to me. So this is my plead on getting my account back please. I didnt think I did anything wrong. I lied to the lady and told her I approved the transactions, but when she told me the check wasnt real I got scared. I told her I didnt do it. But its like she didnt wan na lose it. I just turned XXXX, and I didnt know better, Ive never gotten scammed and I didnt think I was. I wasnt doing anything illegal. I just thought someone was genuinely trying to help 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 2023-03-24 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: MD

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX XXXX XXXX XXXX  Delete any and all other phone numbers. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

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 2023-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Admin Recovery, LLC
State: DE

Complaint narrative:
I, have a collection agency calling my job number number and cell phone number.in which i almost got in trouble and they were calling sometimes after i left and my co-worker told me the next day. Now co-workers know my business. and calling me during business hours knowing i have people coming to the desk

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 2023-03-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good day, I reached out to you guys about the lack of respect that Experian has shown me and for the Law, XXXX XXXX ' I disputed a couple of Alleged Debt Collections that were Charged off/Canceled that are still inaccurately reporting on my consumer report, I just got updated that they were verified and I wasn't asking for Verifaction I was demanding for the inaccurate reporting of the Alleged Debts to be deleted because according to XXXX XXXX 15 U.S. 1681 ( e ) income is not included in a consumer report so if income is not part of a consumer report and a charge-off/closed account has been reported it is fraudulent and deemed illegal because they are choosing to post it on my credit profile, they did not follow policy and inform/contact me with a 1099A form which is a violation and did not send me a 1099c form for the gross income that they have written off. IRC section 6500P states Canceled debt of {$600.00} or more is required to file form 1099-C with IRS and issue a copy to the borrower.

15 USC 1681s-2 Responsibilities of furnishers...

15 USC 1681b2 they had no permissible purpose by law to contact any third-party reporting agency with private or personal information without lawful authority. I did not give them written permission to put anything on my consumer report, also according to 15 USC 1681A ( 2 ) ( a ) ( i ) *Transactions are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; and this inaccurate reporting would be transactions or expressions according to 15 USC 1681A ( 2 ) ( a ) ( i ) and these transactions are not a part of a consumer report either I need these unlawful inaccurate reporting deleted asap and not brought back XXXX XXXX # XXXX {$4400.00} XXXX  XXXX # XXXX {$3900.00}

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 2023-03-24 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: IL

Complaint narrative:
See the attached documents. 
WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

Company response to consumer: Closed with explanation