vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/17 there was a charge I didnt recognize on my account I proceeded to call the card issuer at which time I was told that if I wanted to proceed with the dispute I would have to get a new card. I in XXXX XXXX explained that I needed to have the car that was in my hand in order to buy my medication and food being that the store at with a shop at does not take digital cards. I adamantly told him several times not to shut my card. They continue to do it after I hung up and I found out in the app but this happened, furthermore I called several times to correct the issue and I was met with nothing but adversity from their customer service and then I find out they sent the wrong. They sent the car to the wrong address and when I tried to correct it and have the card overnighted to me being that I need it for medical conditions to which I need to get my medication, I was told they could not do that. I explain to them several times that I asked for this not to happen and they continue to do it to which time they hung up on me. They do not care about a customer in the least bit. The bank was chime. I still have not had a card sent to me. Even after I told them they sent it to an incorrect address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I'm am filing a complaint with the credit bureaus about accounts that are fraud and I have already reported this sent in letters and police reports under the 15 U.S.C 1681 15 U.S. Code 6802 still haven't been removed other than the accounts becoming verified They had 5 business days to remove the account Santandar Consumer And never did so which is a violation of my consumer rights Ive mailed notarized, and FTC report letters and the account is still on my reports.XXXX has removed the Santander account XXXX and XXXX has not and they couldn't possibly be reporting accurately if one of the three bureaus removed the " inaccurate '' information that is fraud with no method of verification XXXX has not mailed not 1 letter to me about this and XXXX is not even showing information about my credit report or score I asked for method of verification and have yet to receive anything from XXXX or XXXX regarding this account and it has now been 60days which is violating my consumer rights im trying to purchase a house and new vehicle and this is holding my report back and also defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: NM

Complaint narrative:
A car dealership used my information without my permission to run my credit a number of times with different creditors. At no point in time did I give them permission to do so. I gave them permission to run my credit twice, not an upwards of 10 times. I gave them permission to run my credit with XXXX XXXX, the creditor who I am currently using to lease my vehicle. The following inquiries listed are the unauthorized inquiries. 
XXXX XX/XX/XXXXXXXX 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 The following inquiry is from a separate incident where XXXX XXXX ran my credit when I was inquiring about opening a CHECKING account. I was not applying for a credit card or loan. XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
A car dealership used my information without my permission to run my credit a number of times with different creditors. At no point in time did I give them permission to do so. I gave them permission to run my credit twice, not an upwards of 10 times. I gave them permission to run my credit with XXXX XXXX, the creditor who I am currently using to lease my vehicle. The following inquiries listed are the unauthorized inquiries. 
XXXX XX/XX/XXXX XXXXXXXX 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 The following inquiry is from a separate incident where XXXX XXXX ran my credit when I was inquiring about opening a CHECKING account. I was not applying for a credit card or loan. XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Johnson Mark LLC
State: ID

Complaint narrative:
Johnson Mark LLC has continued to send me documentation that does not validate my contract. On XXXX Johnson Mark LLC sued me for an alleged debt they are claiming i owe, previously I have contested all facts, asking to verify my writing signature on said contract, or XXXX between myself and Johnson Mark LLC, they have never produced anything. I have sent this company letters to please provide proof, they have never done this, they have ignored all my efforts to settle this matter, as they can not show my contract to collect this alleged debt. I have sent cease and desist letters to stop all communication, however they are only sending more. I have received packages in my mailbox, for the same unverified information, they have never provided. I have been a victim of intense harassment, as well as intimidation. This needs to stop at once. I have contacted the AG office to make a complaint as well, this Junk buyer has wrecked havoc on my family for 2 years filing lawsuit, and claims that have never been proven.. yet they are still trying to send me collection paperwork, as well as suing for a debt they have absolutely nothing to do with.. I will be following up with bar grievances, on this attorney who has absolutely XXXX knowledge or claim to allege debt. 
I have all copies of correspondence I have sent this company, asking to provide my written consent and contract, which they have never done, they turn around and sue me. This company know that Im working under XXXX as well, as all efforts to resolve should be done in arbitration.. yet they are continuing to collect and harass by mailing. This needs to stop at once

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Payment history incorrect. Account open, updated, and closed dates are also incorrect. Balance history also incorrect. Ive contacted Experian, and XXXX XXXX XXXX XXXX XXXX with the same response stating information is valid but was unable to provide me with proof. 

after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diverse Funding Associates LLC
State: HI

Complaint narrative:
DNF ASSOCIATES : repeated emails. I asked for debt validation 3 times in the form of a signed letter and did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In my consumer report with XXXX, XXXX, and Transunion consumer reporting agencies, there is inaccurate information being reported. According to the ( FCRA ) Fair Credit Reporting Act, it is your responsibility to ensure the accuracy and fairness of credit reporting. I discovered these inaccuracies when I checked my consumer report on XX/XX/XXXX on the websites of each consumer agency. My address, incorrect employment name, and date of birth are all reported incorrectly. Along with this complaint, I have attached a letter that I sent to all three consumer reporting agencies on XX/XX/2023 through the USPS mailing service, and the letter was sent certified, containing the accurate information that should be reported on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
PayPal is a direct violation of federal regulations regarding the reversal of provisional credit. In their email they stated in multiple disputes that they would reverse the provisional credit on XX/XX/XXXX and they have already processed them prior to XX/XX/XXXX. 

My account is under XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In my consumer report with XXXX, Experian, and XXXX consumer reporting agencies, there is inaccurate information being reported. According to the ( FCRA ) Fair Credit Reporting Act, it is your responsibility to ensure the accuracy and fairness of credit reporting. I discovered these inaccuracies when I checked my consumer report on XX/XX/XXXX on the websites of each consumer agency. My address, incorrect employment name, and date of birth are all reported incorrectly. Along with this complaint, I have attached a letter that I sent to all three consumer reporting agencies on XX/XX/2023 through the USPS mailing service, and the letter was sent certified, containing the accurate information that should be reported on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report for experian to delete all inaccurate information on my credit report asap. please review an delete all incorrect data listed to help my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
XXXX XXXX XXXX has continued to send me documentation that does not validate my contract. On XXXX XXXX XXXX XXXX sued me for an alleged debt they are claiming i owe, previously I have contested all facts, asking to verify my writing signature on said contract, or one between myself and XXXX XXXX XXXX, they have never produced anything. I have sent this company letters to please provide proof, they have never done this, they have ignored all my efforts to settle this matter, as they can not show my contract to collect this alleged debt. I have sent cease and desist letters to stop all communication, however they are only sending more. I have received packages in my mailbox, for the same unverified information, they have never provided. I have been a victim of intense harassment, as well as intimidation. This needs to stop at once. I have contacted the AG office to make a complaint as well, this Junk buyer has wrecked havoc on my family for 2 years filing lawsuit, and claims that have never been proven.. yet they are still trying to send me collection paperwork, as well as suing for a debt they have absolutely nothing to do with.. I will be following up with bar grievances, on this attorney who has absolutely XXXX knowledge or claim to allege debt. 
I have all copies of correspondence I have sent this company, asking to provide my written consent and contract, which they have never done, they turn around and sue me. This company know that Im working under XXXX as well, as all efforts to resolve should be done in arbitration.. yet they are continuing to collect and harass by mailing. This needs to stop at once

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
Repeated phone calls from numerous numbers, even spoofing their number with a local area code number so I would answer. Left threatening messages ( I could not download to my XXXX  to save ). Started to call my family members and children and told them if i dont pay the debt, ill be sent to jail. I asked for debt validation and they said i need to setup a payment account first.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
I have been paying this medical bill down monthly, consistently without fail to date of this complaint. It suddenly popped up on my credit reports & states that I owe {$650.00} when I actually owe {$450.00} as of this month, XX/XX/23. I have the recorded receipts. Please help as Ive made consistent gains paying this bill down from {$1400.00} plus dollars.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Apple Inc./ Goldman Sachs is stating that I owe them a little over {$6.00}, XXXX which can not be possible because I never personally opened an account with them and if it is an account that was opened or debt owed it is the result of Identity Theft! Apple has not resolved this matter and is still trying to collect the supposed debt through XXXX which is not of my doing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one closed my bank account out of nowhere back in XXXX of XXXX its been almost 4 months and I still havent received my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i tried to get a car from XXXX.. this came with 20 inquires that i did not approve of. i ask for my credit to be pulled only for XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 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 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  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 2023-04-23 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:
i tried to get a car from XXXX. this came with 20 inquires that i did not approve of. i ask for my credit to be pulled only for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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 tried to get a car from XXXX this came with 20 inquires that i did not approve of. i ask for my credit to be pulled only for XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
A collection showed up on my credit report in XXXX of this year ( 2023 ) from an Eastern Account System. I made an attempt to reach out them to collect more information regarding this unknown collection, and to date, they have not been responsive. A letter was mailed out on the XXXX of XXXX of this year ( 2023 ) to both XXXX and XXXX ; however, I have received no communication as to what this account could have even been about. I requested original docs, signatures, and/or statements -- even allowed more than the 30 days turnaround.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation