vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
I opened a dispute with the bank because my debit card information was stolen and used without my permission or authorization over the internet the dispute was open XX/XX/XXXX chime bank / XXXX XXXX did not properly investigate my concerns they just denied my claim I included a ftc report which is from the fraud victim assistance department, bank statement showing me purchasing a new phone, & also a new phone number was updated, and proof that XXXX had to refund me my money because it was used on XXXX also. It was filed on XX/XX/XXXX and denied on XX/XX/ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: NY

Complaint narrative:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted XXXX XXXX XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence.

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 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XX/XX/23 I went to the Gap ( XXXX XXXX location ) to return items and made a purchase. I tried to use my Banana Republic Master card and it was denied twice although there were available funds on the card. Due to the nature of the return the Gap Associate needed my driver 's licenses to process the return and I then had to enter my SSN to access my card. Once this was done my purchase was processed, but my receipt had a different credit card number associated with it ( see attached document ). I was advised to call the Barclays ; and I did on XX/XX/23, both the Barclays agent and manager that I spoke to were unable to confirm the credit card number on the receipt. On XX/XX/23 the Barclays manager contacted Gap agent who was also unable to confirm credit card number on the receipt. I am now very anxious that something fraudulent/suspicious has transpired. No one can advise why my receipt has an incorrect card number but somehow my correct credit card was charged. The Gap and Barclays associates I have spoken to thus far were unable to resolve this concern. Barclays ( Gap ) has since sent me a new card but that still does not put me at ease due to the fact that this unverified credit card number is associated with my SSN when I used it at the GAP location. I did not have any issues with the card prior to this incident on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: CT

Complaint narrative:
I have been trying to get in contact about lowering or temp suspending my payments. My payments are currently {$520.00} and I only make {$1800.00} a month.. my check basically covers my rent and the student loan for my son and I can barely make it to survive and in the process of being evicted. I have sent in my paystubs multiple times and have not heard a word. I was forced to take out another loan so I can just make the monthly payment and not fall behind. It has been months with no contact and now just seems as if I am getting ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPT OF ED, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, DEPT OF ED, 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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is a formal complaint that Credit Bureaus ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. I am fully aware that credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Duvera Billing Services, LLC
State: NJ

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-10-05 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have asked Experian to investigate the inaccurate reporting on my Consumer Report its been well over XXXX  days. I asked them to update my personal information as well to no avail.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-10-05 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Remex, Inc.
State: MO

Complaint narrative:
I am writing to dispute my debt of {$1300.00} from XXXX XXXX XXXX, related to a purchase made on XX/XX/XXXX. The dispute centers around the communication and handling of the debt collection process by XXXX XXXX XXXX. Here is a detailed account of the events : Purchase Date and Initial Contact : On XX/XX/XXXX, I made a purchase from XXXX XXXX XXXX 
On XX/XX/XXXX, at XXXX XXXX., I received an email from CC Loss Prevention stating, " Please be advised that if this balance of {$1300.00} is not resolved within 30 days, the account will be sent to 3rd party collections. '' Contact with XXXX XXXX XXXX : On XX/XX/XXXX, I reached out to XXXX XXXX XXXX and spoke with a representative. 
The representative informed me that if I returned the requested items, I should reply to their email with a photo of the new shipping receipt, the tracking number, and the date of the return. 
They assured me that once the items were confirmed as returned, they would cancel the debt settlement request. 
It was also mentioned that if the balance of {$1300.00} was not resolved within 60 days from the original email, the account would be sent to 3rd party collections. 
Return of Items : On XX/XX/XXXX, I returned the two shoes ( XXXX ) to XXXX XXXX XXXX as negotiated. 
I provided a photo of the drop-off receipt as requested. 
I sent an update on XX/XX/XXXX, to inform XXXX XXXX XXXX  that both shoes had been delivered. 

Lack of Communication : XXXX XXXX XXXX has not provided any updates or communicated with me regarding the resolution of this case since XX/XX/XXXX. 

Incorrect XXXX Invoice : I received a XXXX invoice for {$800.00} on XX/XX/XXXX. However, this invoice was sent to a different XXXX account, not the one used for the purchase. 
The invoice stated that it did not include the XXXX pairs of XXXX XXXX XXXX XXXX XXXX Item No : XXXX, for {$240.00} each, which I had expressed my intention to return. 

Unresolved Balance Notification : On XX/XX/XXXX, I received an email from the XXXX XXXX XXXX XXXX, stating that I still have an outstanding balance, even though XXXX XXXX XXXX never responded to my messages back in XXXX. 
I am also interested in accessing the notes under my XXXX reward account related to my interactions with XXXX XXXX XXXX, including communications with the supervisor who claimed to assist in resolving this issue but did not respond. 

I am willing to provide emails, call logs, and any additional information upon request to support this dispute. Out of the {$1300.00} debt, I believe I owe only {$800.00} ( including tax ) for the returned shoes that were approved and delivered on XX/XX/XXXX, with a signature. 

Please review this information and assist in resolving this dispute with XXXX XXXX XXXX Thank you for your attention to this matter.

Company response to consumer: Closed with explanation