vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
I have a Chime checking, credit and savings account. I spoke to 2 representatives and 1 supervisor and all put me on hold and never returned to the call after I wanted dispute their MyPay feature. I was sent 2 different automated messages stating my MyPay has increased to {$70.00} dollars but they kept {$50.00} and only provided me with {$20.00}. I asked where is the rest of my MyPay they starting talking over me and placed me on hold without the proper protocol then left me on hold for 30 minutes. One representative told me to wait an hour and the {$50.00} should be there but it was not. Someone at their company has dipped in customers account info and took the {$50.00}. I truly believe this because no one could give me a honest answer started talking over me then placed me on hold never to return back to the call. Something is very strange about their representatives not listening and taking customers complaint into consideration. Theyd rather put you on hold and keep you there until you hang up. I even heard them come back to the phone heard I was still on the line and placed me back on hold. All I want is the {$50.00} I am missing and if I cant get that Im willing to go the individual arbitration way in small claims court if nothing is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting 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 have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have tried contacting this company multiple times and even went through this portal to submit an official complaint in XXXX with no resolution or clarification on this consumer account. 
I am writing to bring to your attention a serious matter related to my consumer rights, which, i believe, your company has breached. The particular rights in question pertain to the validation and reporting of debt, as governed by the fair debt collection practices act ( FDCPA ) and the fair credit reporting act ( FCRA ). 
In this context, I had previously asked for a verification of a debt that is purportedly owed by me. I attach herewith the related correspondences as evidence of my request. 
However, your organization has continued to fail in providing me with the necessary validation, a contravention of the FDCPA. In addition, despite the ongoing dispute, you have continued reporting this contested debt to the credit bureaus, an action that infringes on the FCRA and inflicts harm to my reputation. 
In order to reconcile these issues, I once again implore you to adhere to the FDCPA by providing me with the following information : 1. Evidence of your legal entitlement to collect the alleged debt.

2. A detailed account statement delineating the claimed balance, inclusive of all charges, interest, and penalties.

3. The contract bearing my explicit signature, thereby establishing my liability towards the debt.

4. Please note that the legal concept of estoppel by silence ; implies that your failure to respond, despite the obligation to do so, indicates your concurrence with my stance that this debt is invalid. I shall resort to invoking this principle in my defense, if necessary. 
I expect to receive the requested information within 15 business days from the receipt of this letter. If you persist in neglecting my request for debt verification, I reserve my right to initiate legal proceedings against your company for the breach of my consumer rights as stipulated in the FDCPA and the FCRA. I may also consider seeking damages, should the situation warrant such action.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have tried contacting this company multiple times and even went through this portal to submit an official complaint in XXXX with no resolution or clarification on this consumer account. 
I am writing to bring to your attention a serious matter related to my consumer rights, which, i believe, your company has breached. The particular rights in question pertain to the validation and reporting of debt, as governed by the fair debt collection practices act ( FDCPA ) and the fair credit reporting act ( FCRA ). 
In this context, I had previously asked for a verification of a debt that is purportedly owed by me. I attach herewith the related correspondences as evidence of my request. 
However, your organization has continued to fail in providing me with the necessary validation, a contravention of the FDCPA. In addition, despite the ongoing dispute, you have continued reporting this contested debt to the credit bureaus, an action that infringes on the FCRA and inflicts harm to my reputation. 
In order to reconcile these issues, I once again implore you to adhere to the FDCPA by providing me with the following information : 1. Evidence of your legal entitlement to collect the alleged debt.

2. A detailed account statement delineating the claimed balance, inclusive of all charges, interest, and penalties.

3. The contract bearing my explicit signature, thereby establishing my liability towards the debt.

4. Please note that the legal concept of estoppel by silence ; implies that your failure to respond, despite the obligation to do so, indicates your concurrence with my stance that this debt is invalid. I shall resort to invoking this principle in my defense, if necessary.

I expect to receive the requested information within 15 business days from the receipt of this letter. If you persist in neglecting my request for debt verification, I reserve my right to initiate legal proceedings against your company for the breach of my consumer rights as stipulated in the FDCPA and the FCRA. I may also consider seeking damages, should the situation warrant such action. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma, LLC
State: LA

Complaint narrative:
I have had someone try to open several credit card accounts. I was advised it was through Credit Karma. When i tried to get into my CK account that i have had for years i couldnt. I found out today that someone changed my email address. When i did a live chat the rep said she could close the account so i asked her to do so. I wanted to open a new account. She said i have to send two documents such as drivers license and birth certificate. I told her they allowed someone to change my email address without proof and now i need to send proof. I refuse to send these documents. If someone stole my info already what will keep someone from getting access to these documents. I had to freeze my credit statements with the 3 reporting agencies and call credit card companies to report fraud. They are obviously not a safe site to do business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my 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 explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX, Chase received a garnishment order to freeze my account from Texas. The takeaway. I am in California and have no ties to the state of Texas. My business account and personal were frozen. I am not a judgment debtor this was something about my XXXX XXXX who is a judgment debtor. Without delay Chase froze my personal and my business account. The business account had {$280000.00} in it and my personal was around {$420.00}. I asked Chase to unfreeze it, they told me handle it in Texas. I called a texas lawyer the lawyer told me not to appear because the court was biased and I would not get anywhere. If the court had no personal jursidiction on me by Texas law I dont need to respond. Instead I sued Chase in California and obtained a XXXX  in XX/XX/XXXX. The XXXX told Chase not to send my money to the Texas court but Chase said they were ordered to do it. This is a major issue because I am a California chase customer and my business account is also California. Chase ignored my XXXX  and sent the money in an out of state garnishment to Texas and now as I type this my money is being stolen out of state. Chase violated the law by doing this. My lawsuit for Chase is ongoing, but Chase has violated the law more ways than one. In the Chase terms of service it clearly says the governing law is the state I opened my accounts and that is in California. Chase ignored any chances to file Texas appeals and instead has robbed me and my business {$280000.00}. I now have to waste time and legal fees to get this back. This is absolutely a problem and I think Chase is doing this to others just as XXXX XXXX XXXX was caught in XXXX I think Chase is doing this now. Chase argued in their terms that if out of state issues arise that I authorize them automatically to use my funds as they wish. That's basically them saying they are getting customers to sign an agreement that breaks the law and takes away the protections a customer was given by the Governments. It does say if I have judicial notice and orders then I preserve my rights. The XXXX  I got was that right and Chase violated the XXXX  twice. They seeked a court order in Texas to control my California case as well. Again, Chase should have filed a Writ of Mandamus or an appeal about this to ensure California was the acknowledged jurisdiction.

The out of state garnishment case is XXXX in XXXX Texas at the XXXX XXXX XXXX .

My lawsuit in California against Chase and the Judgment creditors of my XXXX XXXX is CASE No. : XXXX in XXXX XXXX XXXX. 

This is a very serious issue and I am reporting this not only for my protection but I believe Chase bank is breaking the laws here on multiple occasions if this happened to me its going to happen to everyone. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting 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: MA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: DC

Complaint narrative:
I have a discovery credit card.. 
My card have been closed since XXXX just found out today XX/XX/XXXX. 

I have been calling.. instant messaging, request passwords, calling them on the phone to ask questions I even called to check an told them I would be late... 

The never said nothing, they said nothing, nothing that may account is closed..all this time I have been calling and rest my password I even update my email number a few months ago they said nothing, they said nothing ... my account is closed an that effects my credit..this not right..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Harley Davidson Financial Services Inc
State: MS

Complaint narrative:
Harley Davidson Credit pulled my credit without having permissible purpose from myself on XX/XX/year>. ( XXXX5 usc 1681b ) Therefore this is considered aggravated identity theft. ( 18 usc 1028a )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
TransUnion still reports my XXXX XXXX as a closed account that is charged-off with a past-due balance of {$910.00}. I want to verify this account is no longer past-due I am requesting to have them remove from my report. 


Thank you

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On or about XX/XX/XXXX I submitted a request to verify that I owed LVNV Funding LLLC for debt I. The company never responded in timely manner as required under FAIR DEBT COLLECTION PRACTICES ACT USC 1692 G Sec 809 ( 8 ) ( see attached letter from LVNV response noted XX/XX/XXXX ( four months ) after my request and four months after legal timeframe allowed But instead has used several different companies to delay their response to my request. Thus using several different companies as false means not honor and provide me legal verification to debt they state I owed them. I took the necessary legal steps to request signed documentation of me owing LVNV as noted CERITIFED LETTER TO LVNV/RETURN RECEIPT through US MAIL see attached receipt signed by the company itself and their affiliates honor my legal request for proper validation of this debt. But instead LVNV reported this erroneous information to all ( 3 ) credit bureaus injury me financially and personally

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2024-06-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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