vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: VI

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2024-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
My car was repossessed in XXXX. The company who I received the loan from was Western Funding for a XXXX XXXX XXXX. I made online payments. They repossessed my vehicle in which three months asked me did I still want the car. I paid XXXX. To receive my car. As I went to receive my car they flipped the title to another state, that being XXXX. I'm in XXXX XXXX They are trying to charge me for a debt that I would not have if I still had the car. They have sold it to a third party debtor, who is now trying to collect. They never reported the {$1000.00} that I paid up through money nor do I have a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I noticed a charge of {$120.00} on my credit card account that I did not authorize. This came from the XXXX XXXX portal on my XXXX credit card. I reached out to customer service on XX/XX/XXXX and received a response on XX/XX/XXXX. They stated that they had no insight into this transaction and could not help me and directed me to XXXX. 

I contacted XXXX, which could find no record of the booking associated with my account. XXXX directed me back to XXXX. 

Currently I am still being held responsible for the fraudulent charge and XXXX is refusing to take any actions to correct it.

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 2024-06-17 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
This complaint is regarding XXXX XXXX XXXX, a service company contracted by Citibank. 
On XXXX around Noon, I called Citibank about my Costco credit card as I was not able to obtain a statement or account status through the website, it stated only to Contact Us. 
I called the provided number, XXXX, and the automated system when requesting to speak with an agent transferred my call to a third-party debt collector, XXXX XXXX XXXX XXXX 
An agent XXXX XXXX answered the call and informed me of the pre-charge-off status, full balance over {$13000.00}, and the almost {$4000.00} that was unknowingly due on XXXX. I informed him I lost my job last XXXX and wasn't able to make a {$4000.00} payment. He then hung up on me. I called back and got XXXX again and told him how upset I was handling the call and he transferred me to the XXXX XXXX XXXX. I'm not able to communicate about my account at all at this time due to this individual.

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 2024-06-17 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: FL

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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:
It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.

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 2024-06-17 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: TX

Complaint narrative:
It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.

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 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: EASTERN BANKSHARES INC
State: VT

Complaint narrative:
EASTERN BANK OWES ME MONEY FOR INCOMPETENT HANDLING OF MY ACCOUT FOR MY BUSINESS. 

Eastern Bank reports on a banking site that I owe THEM money and that is preventing me from getting a checking ACOUNT AND/OR AN ATM CARD.

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 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Hello, I previously submitted a complaint with CFPB weeks back and still can not get through with Capital One to find a resolution. The Capital One Credit Cards that have been closed are under my former name, XXXX XXXX. My current last name is XXXX. The XXXX credit cards I am referencing were closed in the last 12 months. The cards were a Platinum One and Quicksilver credit card. Capital One informed me that they can not locate my account based off the Case # Capital One provided in the attached letter. I would really like to find a resolution and resolve my credit card balances with Capital One, but I truly need them to understand I have financial hardship and am asking they settle for a lesser amount. Please help me and have them contact me at my phone number- XXXX XXXX XXXX. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Levy & Associates, LLC
State: TX

Complaint narrative:
I had a car that was repossessed in Texas on XX/XX/XXXX I had no idea they went to court and received a judgement against me I only found out when we went to refinance my home. I called levy and associates to get more information as to why they had a judgement since I didnt know who they were XXXX the only agent who handles Texas calls was indifferent at best I have called multiple times and of the 20 or so calls Ive only received 2 calls back and the manager never called me back also now the have XXXX shed my account when I initially called them to advise them I am XXXX and needed information on how to try and get this debt released. So when I called the attorney generals office to file a complaint the informed me that this agency doesnt even have a surety bond that is current to do business in this state. I also went to the courthouse and they also never showed up in court they just received a summary judgement so I wanted to know was any of this handled correctly and also can they enforce a judgement when I was never notified? Also since they never notified me of the judgement they are asking for XXXX due to interest that I had no idea was accruing I only paid XXXX for the car in XXXX please make this make sense

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: FL

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-06-17 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: FL

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
In XXXX XXXX XXXX XXXX I received a letter in the mail that was called " Notice of filing of foreign judgement ''. stating that I had been sued in Delaware and a judgement was entered against me because " I failed to appear ''. I live in XXXX  ( although I used to live in XXXX  briefly long ago ). This judgement was imposed in XXXX  ( again I live in XXXX  ). 
The judgement amount is in the amount of {$7100.00} + costs. Additionally, they claim that service was issued to a " XXXX yr old Male, XXXX '' in hight, weighing XXXX, with XXXX  hair and XXXX XXXX ''. I am a XXXX old Male, XXXX '' in hight, weighing XXXX, XXXX XXXX and DO NOT wear any XXXX XXXX. I hired an attorney here in XXXX  upon receiving the above notice and explained I owed no debt to this bank. Nor did I live in XXXX  at the time of the judgement. He reached out to the Bank and the attorney representing the bank and was unable to obtain any proof that the debt was actually owed by me. They would only provide proof of judgement and again couldn't prove that the judgement was actually against me. They have since refused to speak with my attorney any further. My attorney has advised me to file this complaint with the FTC/CFPB as an identity theft complaint, as I have never done business with this bank, nor was I resident of XXXX  at the time of the law suit and do not owe anyone this claimed amount of money. Please investigate.

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 2024-06-17 00:00:00
Product: 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: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year> I was a victim of a crime where my phone was taken from me ( stolen ). the accused somehow obtained access into my phone which allowed him access to my passwords and accounts and through multiple transactions sent himself money from my account ( savings/checking ) and online payments for transportation services. the crime and all this was reported to the authorities which chime was provided everything from the info to the officer that took the report to the detective investigating. chime approved some of the small transactions but denied my larger amounts and could not provide a clear and valid reason for the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Kikoff Inc.
State: MI

Complaint narrative:
I wasnt given a full disclosure on Kickoff on how they do business.

I wasnt informed that the money that I was paying into this service was only available to spend on line at their Kickoff online store. I was not made aware that I couldnt use the money anyplace else.

Once I was made aware of this I called and explained that not what I was not aware of. I told them that I wanted to close my account.

They threatened that they would report it to the credit bureau as a negative closure of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: VI

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Dear Chase Bank, I am writing to request a correction for claim number XXXX, as a mistake has been made on Chase 's end. Here is what happened : - I placed six separate orders from XXXX XXXX  for beanies ( hats ) and other clothing. 
- I returned all six orders due to poor quality and I photographed the entire packing process.

- I was refunded in full for five of the six orders, but was only partially refunded for order XXXX. 
- I contacted XXXX XXXX  and they claimed that I only returned XXXX of the XXXX beanies. 
- I sent them photographic proof that I returned all XXXX beanies and they refused to refund me in full. 
- I opened up a charge back through Chase for {$760.00}. I was temporarily refunded, but over time, Chase ended up reversing every transaction.

Here are the documents I will attach : - Photo XXXX : An 18x18x18 box with beanies in four columns.

- Photo 2 : The 18x18x18 box with the flaps flipped up, making it an 18x18x27 box, filled with all 110 beanies.

- Photo 3 : The box fully packed and ready to ship.

- Photo 4 : A close-up view of the return label.

- The order invoice for order # XXXX. The transactions that I was not refunded for begin on page four.

- The email correspondence I had with XXXXXXXX XXXX 


In my claim, I provided photographic proof of an 18x18x27 box filled with 110 beanies. I explained that there were four columns of beanies and that each beanie is about an inch thick. The box is 27 inches tall. 27+27+28+28 = 110. I will provide those same photos again.

Whether through malice or negligence, XXXX XXXX stole {$760.00} from me. There's no information that Urban Outfitters could have provided that would contradict my claim. The only thing I can think of is that XXXX XXXX provided receipts of the refunds they sent me for the other XXXX orders and Chase mistook those for order XXXX. 

I've banked with Chase for years and have never had an issue. Chase is supposed to protect me from fraud, and I'm the one who has been defrauded. It's egregious and insulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: FL

Complaint narrative:
I had taken out a loan online through XXXX XXXX XXXX. I did not know these loans were involved with rent a bank schemes. I am not a tribal member. I am a XXXX citizen and a XXXX  resident. These types of loans are illegal in the state of XXXX  especially due to the amount. Of interest they charge. I am disputing this debt and had made that clear to Transunion. My complaint it that transunion should not allow XXXX  to report to them and allow this on my 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 2024-06-17 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: WA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I spoke with XXXX on XX/XX/XXXX through the phone number provided ( XXXX ) on the debt collectors website ( XXXX XXXX XXXX ). I called after failed attempts to login and make an online payment. I entered the correct XXXX and Social Security number and received an error message that my account could not be found. The current balance owed on the letter I received In the mail is {$60.00} as of XX/XX/XXXX. However, she mentioned the balance was {$180.00}. I requested technical support to help me log in to see the rest of the amount owed but this was not provided. I asked to be mailed an itemized list of the balances owed since the mailed letter did not reflect the {$180.00} balance she mentioned. She said she could only send a {$0.00} balance confirmation in the mail once the amount had been paid. Despite her efforts to receive payment over the phone, I mentioned I would withhold payment until I was able to see all of the balances owed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
XXXX XXXX XXXX contacted me via telephone circa XX/XX/year> stating that they will advertise my timeshare so that funds can be generated when it is not in use. The advertisement was supposed to be for corporations and/or individuals needing lodging. The website used for advertisements is non-existent. Offers are sent for dates when the timeshare is not available. I requested a refund from my bank, and the request was not honored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation