vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prince Parker & Associates
State: IA

Complaint narrative:
Prince Parker has attempted to contact me numerous times and each time I have informed them that they are unable to verify a person 's identity over the phone especially in today 's age of ID Theft and Data Breaches and I have asked them each and every time over the last several months to cease and desist from contacting me. Especially due to the ID Theft and Data Breach issues there is no way I am going to give out my information over the phone in any attempt to play their verification game as it could be a clear phishing scheme. I have also informed them that if I am the person, they are attempting to collect a debt from that they need to send me everything in writing via USPS Certified Mail Requiring a Signature. Despite this they insist on continuing to call me. Today, XX/XX/year> one employee gave me the excuse that it supposedly takes them several months to process any request to cease and desist or even a request to dispute a debt. This is absolutely unacceptable and just them attempting to protect themselves from legal action. I did record some of my interactions with the company today including my demands for them to provide me with their address and the agent claiming that she didn't know or have it. When I demanded her supervisor, she insisted that her supervisor was in a meeting and insisted on me calling " Customer Service '' which I am fully aware is whom I was speaking with as I know that their fake numbers that they use are routing all calls to their customer support center and that's who is picking up calls. I am not as stupid as they think I am and not one to fall for their scams. I have even attempted to tell them to dispute the debt if they think I am the person they are trying to reach and again nothing is being done by the company and they continue to insist on calling me further leading me to believe that they are engaging in a phishing scam. Any law-abiding debt collection company would have already honored my requests to cease and desist from contacting me via phone and they would have honored my request to send me everything in writing or to even dispute the claim upon my requests if they believe that I am the person they are supposed to be collecting the debt from.

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 2024-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/XXXX I filed a dispute with Chime for a transaction of {$330.00}, which I never did. I explained that I had my card holder stolen and my card was there. They issued a new card and within two hours and no investigation, they denied the claim. I called and got no help, just rude employees, they also never provided a clear letter or denial. Just a copy/pasted email template. Today, going through my charges, I noticed three more charges, which are also fraud for {$340.00}, {$29.00} and {$33.00} I provided a police report this time, and in less than 4 hours they once again denied my claim. I already have a new card, police report, how come I can not get my money back? I need my {$740.00} back asap They replied to the XXXX complaint as follows, and once again within two hours of reopening the claim : Chime is in receipt of the complaint filed through the XXXX XXXX XXXX XXXX XXXX XXXX  by XXXX XXXX XXXX. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted us via phone regarding a transaction totaling {$330.00} which XXXX stated was unauthorized. We then opened an investigation into the matter and filed a dispute. 

On XX/XX/year>, we notified XXXX via email that we completed our investigation and based on the information available, we determined that no error occurred. 

On XX/XX/year>, XXXX inquired about reopening the case, and a rebuttal claim was opened. 

On XX/XX/year>, we notified XXXX via email that we reopened the claim based on the additional information provided and determined that no error occurred, and the claim remained denied. 

Claim ID : XXXX On XX/XX/year>, XXXX contacted us via phone regarding three ( 3 ) transactions totaling {$410.00} which XXXX stated were unauthorized. We then opened an investigation into the matter and filed a dispute. 

On the same day, we notified XXXX via email that we completed our investigation and based on the information available, we determined that no error occurred. 

We appreciate XXXX for sharing their feedback with us. We're dedicated to creating the best experience possible for all of our members and greatly appreciate XXXX input. 

We thank you for the opportunity to respond to XXXX XXXX XXXX complaint. If XXXX XXXX XXXX continues to have concerns regarding their complaint, please have them contact Chime Member Services at XXXX. 

Ive sent them the police report, got a new card, and they clearly dont mind investigating. Also they customer service over the phone is not well trained. They are one for the banks that gives no provisional credit and does not investigate any fraud. 

I need my money back ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by PORTFOLIO RECOVERY ASSOCIATES, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. 

**Lack of Opportunity to Dispute Debt** Despite being approached by PORTFOLIO RECOVERY ASSOCIATES , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it.

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand PORTFOLIO RECOVERY ASSOCIATES, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in XXXX XXXXXXXX It has come to my attention that PORTFOLIO RECOVERY ASSOCIATES , lacks authorization to pursue debt collections in XXXX XXXX XXXX my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: FL

Complaint narrative:
I dont recognize this inquieres XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX Transunion XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion

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 2024-06-11 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: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX, it appears that some of my credit report accounts are unrecognizable. I have had my identity stolen. The letter lists all unfamiliar accounts. A notice of identity theft has been sent to the Federal Trade Commission, and I have received a copy of the Identity Theft Affidavit. As I am unaware of these accounts, it is necessary to remove them. It is my respectful request that the following items be removed. Please accept my sincere thanks in advance.

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 2024-06-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX, it appears that some of my credit report accounts are unrecognizable. I have had my identity stolen. The letter lists all unfamiliar accounts. A notice of identity theft has been sent to the Federal Trade Commission, and I have received a copy of the Identity Theft Affidavit. As I am unaware of these accounts, it is necessary to remove them. It is my respectful request that the following items be removed. Please accept my sincere thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX i received a camera purchased from XXXX, the camera had defects and was not functionally operational as intended. I that weekend opened up a case with Citi and was provided a conditional credit a few days later. I provided description and proof. 
On XX/XX/XXXX Citi sent me that they will investigate the issue after the CFPB complaint On XX/XX/XXXX I provided the PDF below called proof.pdf that shows proof the item was damaged and was not functioning as intended On XX/XX/XXXX, less than 48 hours they sent me " We have reviewed the information concerning this dispute. Unfortunately, we are unable to resolve this dispute in your favor, since we have not received valid proof of what was expected versus received, and any proof of return. 
Please contact the merchant to pursue this matter further. 
We now consider this investigation complete. '' This is after providing the visual proof that they requested! 
I then contacted Citi again via phone and an agent said they would reopen the case as he saw the proof in the images. 
On XX/XX/XXXX I got " We may be able to assist you if you provide us with a documentation showing the merchant agreed to credit your account. If you are unable to provide this, you will need to seek other means to obtain credit. '' Once again, referring to proof.pdf, XXXX refused to give me my money back and I could not refund the item. I then contacted Citi again and they said they would look at the case once more without the phone rep elaborating based on the proof i provided. 

On XX/XX/XXXX Citi closed the case for good with this note " We have reviewed the information you provided, as well as the information provided by the merchant. Unfortunately, we are unable to continue your dispute as we have determined the merchant is unwilling to issue a credit. 
We now consider this investigation complete. ''

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 2024-06-11 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: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
Account Information : Account Number : XXXX Date Reported : XXXX XXXX, XXXX Account Type : Auto Loan Account Status : Open ( Should have been marked as closed after 180 days of delinquency ) Disputed Inaccuracies : Failure to Investigate : Despite my request and the statutory obligations outlined in the Fair Credit Reporting Act ( FCRA ), Credit Acceptance Corporation has failed to conduct a proper investigation into the inaccuracies on my account. 

Failure to Report Investigation : Credit Acceptance Corporation has neglected to report the results of their investigation to the credit reporting agencies, which is a direct violation of the FCRA. 

Account Not 100 % Accurate : The account information reported is not accurate. Despite statutory guidelines specifying that the account should be marked as closed after 180 days of delinquency, it is still marked as open. 

Legal Violations : FCRA Violations : Credit Acceptance Corporation is in violation of FCRA Section 1681s-2 ( b ) by failing to provide accurate and complete information to the credit reporting agencies.

FDCPA Violations : The failure to conduct a proper investigation and report the results to the credit reporting agencies constitutes a violation of FDCPA Section 807 ( 8 ) and Section 809 ( b ).

Requested Action : I request an immediate and thorough investigation into the inaccuracies and violations mentioned above. Additionally, I demand the removal of this account from all three credit reporting agencies ( XXXX, XXXX, and XXXX ), in accordance with FCRA Section 1681i ( a ) ( 1 ) ( A ).

Further Actions : I intend to pursue this matter further by involving my legal representation, filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), and submitting a complaint to the XXXX XXXX XXXX ( XXXX ) if necessary. 

I expect your prompt attention to this matter and a written response within the statutory 30-day period. Failure to do so may result in further legal action. 

Summary : The reported account, which should have been closed after 180 days of delinquency, continues to be inaccurately reported as open. This situation reflects a failure by Credit Acceptance Corporation to properly investigate and report the status of the account, thereby violating FCRA and FDCPA regulations. Immediate corrective action and a thorough investigation are required, and further legal steps will be taken if necessary. 

Thank you for your immediate attention to this matter. 

Sincerely 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 2024-06-11 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: NJ

Complaint narrative:
According to 15 use 1681eb Everything must be XXXX percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2024-06-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: NY

Complaint narrative:
I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


XXXX XXXX XXXX XXXX, account number XXXX EQUIFAX : XXXX XXXX, account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: LA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-06-11 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: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-06-11 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I was never served any papers to defend myself in a court of law. I had no idea. Put a junction on me anyways. Garnished all of my bank accounts. Set up a payment plan to take out of the same account they garnished. Didnt know my payment never came out, got a letter dated a day before my payment was even due which doesnt make sense. Lied and said they attempted to call me and left messages on my phone. My phone has voicemails dating back to XXXX of last year and none from them. Said my payment is XXXX weeks late and are going to garnish me again! I still made my payment

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