vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
Saw on a recent pull of my credit report that there was 120 late notification of a charge card that I never applied for on XX/XX/XXXX. The amount was approx {$360.00}. I called the company XXXX and notified them that I never applied for this card and it is fraud. I asked where was a physical card delivered. They gave me an address in TN. An address that I haven't lived in for over 5 years. I currently live in XXXX and have been here since 2021. I am working over here as a civilian but for the XXXX and can attach my orders if necessary. They stated they will cancel the card and will investigate, and someone will reach out to me for further details. No one reached out to me. 

I filed a dispute with all 3 reporting agencies. Transunion 's investigation was finished in less than a week, stating it was accurate. No way it is accurate as anything that was delivered was delivered to an address that I do not live at nor do I have any friends or family at that address. 

ID Theft Report from the FTC is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid 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: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/XXXX - 2 fraudulent charges were made XXXX and XXXX  and dispute was created. Dispute # XXXX  XX/XX/XXXX - dispute XXXX XXXX was approve and XXXX was credited back but not XXXX XX/XX/XXXXXXXX - received an email stating that XXXX was credited back. No credit was given in my account. Contacted bank and they said they will send me an email 24-72 hrs. No email was sent to be within that time frame. 
XX/XX/XXXX - contacted customer service regarding the credit that was approved but not given and they researched and said the investigation team will credit back within 24 hrs. 
XX/XX/XXXX - nothing was credited back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: DriveTime
State: FL

Complaint narrative:
Under the Financing Federal Law Section 15,16,35 it states that it is illegal for a financing company to require me to put a down payment on my car I bought. Since I am financing it, it's covered under the financing agreement. I am hereby requesting a refund of {$2600.00} that I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/21 I contacted Transunion and asked for a consumer investigation of the two accounts on my consumer credit report. I questioned the accuracy of dates, amount, missing information. I asked for Transunion to validate XXXX and USDEPT Ed XXXX and provide all documentation to me concerning the above accounts. 
( Signature, information, payment history ). 

Additionally, I want the names, dates, phone numbers of who TRANSUNION spoke to concerning my account. Transunion sends responses stating they verified the account with the data furnisher. The law states that an investigative report is completed by completing the items below. ( Conducting personal interviews neighbors, friends, or associates of the consumer reported on or with others with whom is acquainted. ) The law states the information should not be obtained from the creditor of the consumer. I have included the law within this report, so not only did Transunion not provide the requested documentation as requested, but they did also not conduct a proper investigation per USC 15 1681a ( e ).

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- According to 15 U.S. Code 1681- Congressional findings and statement of purpose Investigative consumer report from 15 USC 1681a ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The FDCPA provides debtors with a means for challenging payoff demands, and for determining the validity and accuracy of asserted debts. 15 U.S.C. 1692g. Perhaps more importantly, however, the FDCPA establishes ethical guidelines for the collection of consumer debts

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 2022-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX  on several occasions with email, phone, and mail no response. I have reached out to HRRG as well. I have been insured for over twenty years and this should have been already paid. I reached out to my insurance company, and they said it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My credit report is still showing incorrect information : - XXXX XXXX  XXXX, ( Account ending in XXXX ). This account has been paid-in-full. Please see the attached confirmation letter from XXXX, dated XX/XX/2022. 
- XXXX XXXX, is still incorrectly showing a {$900.00} balance due. ( Account XXXX ) incorrectly filed on my credit report. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to the IRS, which means it is now income earned for the company. I can not owe on income. This is inaccurate reporting on their part. They are trying to be paid twice for the same case. I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report. Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. 

Please remove these items from my account, immediately.

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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My credit report is still showing incorrect information : - XXXXXXXX XXXX XXXXXXXX, ( Account ending in XXXX ). This account has been paid-in-full. Please see the attached confirmation letter from XXXX, dated XX/XX/2022. 
- XXXX XXXX, is still incorrectly showing a {$900.00} balance due. ( Account XXXX ) incorrectly filed on my credit report. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to the IRS, which means it is now income earned for the company. I can not owe on income. This is inaccurate reporting on their part. They are trying to be paid twice for the same case. I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report. Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. 

Please remove these items from my account, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX and TransUnion closed my disputes without proper investigation to verify accuracy of negative account balance and date delinquency began with creditor XXXX XXXXXXXX XXXX  ( XXXX account # XXXX ) ( TransUnion account # XXXX ). I disputed both the balance owed ( {$24000.00} ) and date of last payment. I specifically requested both credit agencies obtain written debt verification to prove date of first delinquency from creditor, including a payment itemized statement and a transaction ledger starting with a zero running balance. I filed separate disputes with TransUnion on XX/XX/XXXX and with XXXX on XX/XX/XXXX. TransUnion closed its dispute on XX/XX/XXXX. XXXX closed its dispute on XX/XX/XXXX. I called both companies for explanation. Representatives said their systems did not show that the creditor ever supplied the requested written debt verification or payment ledgers to confirm the reported balance amount or date of first delinquency. Also, XXXX reports different information for this account. I recall making my last payment in late XXXX, which makes this account 7 years old and non-reportable by law. These credit agencies ' failures to complete adequate investigations violated my rights under the Fair Credit Reporting Act as follows : - consumer right to privacy, 15 U.S.C. 1681 Section 602A ; and - improper furnishing of consumer account information without my written instruction, 15 U.S.C. 1681 Section 604A2.

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 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ADP Inc.
State: FL

Complaint narrative:
Attempted to contact agency in reference to error made on the account. Charges amount to XXXX dollars. Havent received any resolution notice or credit back to the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I filed a dispute on my prepaid American Express Serve account for a total of XXXX atm withdrawals that were fraudulently done on my account. This totaled {$2000.00}. XX/XX/XXXX I received a dispute acknowledgment email.After checking my account history deeper I was able to locate XXXX more atm withdrawals that were fraudulent on my account which totaled {$810.00}. This brought the total money stolen from my account to {$2800.00} dollars. XX/XX/XXXX I filed the dispute for those transactions. XX/XX/XXXX, I received another dispute acknowledgment email, this is where I can submit my forms and evidence. 
XX/XX/XXXX my dispute was declined over email, I never spoke to anyone about this investigation. The email stated that they saw no error in the transactions and that they were authorized. Not once did I give my card to anyone nor does anyone know my pin. XX/XX/XXXX I filed another claim, XX/XX/XXXX I received an email acknowledging the dispute. Then again I submitted my evidence and an explanation of this. XX/XX/XXXX the dispute was declined again saying no error has occurred. Then XX/XX/XXXX I filed another dispute, XX/XX/XXXX I received a dispute acknowledgment email again, I sent in the evidence again. This is my XXXX dispute and I really need professional help. I feel their practices have not been in line with the consumer rights and laws. Now this matter has been unfair and Ive had no type of communication with the investigating team, not once. I feel that is wrong on top of the matter that I did not authorize, nor did I take this money out. It was taken out fraudulently. The common theme of these transactions were that they went to XXXX XXXX locations from XXXX XXXX taking out {$700.00} plus dollars at each of the locations. My daily limit of what I can take out is {$600.00} dollars it has never let me exceed that. On top of that I have never taken money out of XXXX locations. I prefer going to a money pass ATM where it is free, those are usually located at a XX/XX/11 and they are pretty secure. Also I work frm XXXX to XXXX XXXX  and during those days they made multiple visits. I could not and would not take a trip to XXXX to take money out when it is multiple atm machines near my work place. It is clear this was fraud but some reason Amex thinks otherwise. I would appreciate your help, my name is XXXX XXXX my number is XXXX, email is XXXX, thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I purchased the car and since very first day I was mislead with price it was not posted on the vehicle. 
Contract was misleading representation, it was false ad deceptive, unfair methods of competition, I was required to give a downpayment when it is not required when a credit S.S has being processed or checked. I was charged more apr than they were suppose to have charged and XXXX charges as well. Finance company audited the dealership and was forced to cancel the first contract and prepare a new one in which dealership didnt notified me nor asked me to come in to the dealership to sign a new contract with changes. I received by us mail the new contract w proof of check of difference send to finance company and they mailed me another check for there over charge w the XXXX, I called XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX about the matter several times w in the month, no one was interested, untilXXXX XXXXXXXX it was a Thursday and Friday before the car was repossessed on XX/XX/XXXX they hurried and got the car repossessed because I threatened to sue for fraud and defamation. I told them the car was mine and I didnt have an obligation to pay since contract has no wet signature from me the living person with a soul I am XXXX XXXX XXXX the beneficiary l want my security back ( car ) XXXX XXXX XXXX  back asap as they frauded me and stold my car. 

No one from global lending called me nor reached out to me until two weeks later letting me know my security was to be sold in auction on XX/XX/XXXX. Giving me less than a week to try and solve this matter, No one from repossession company has contacted me to allow me my personal belongings nor where they are located. I have been treated unfairly and inhumane under title 15 truth and lending act, I have been frauded and mislead as well. I also do not have any contract or written statements with the third party company repossession company nations recovery services inc, nor have I consented to them stealing my car security. I want my car back and i want the auction to be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-29 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: NJ

Complaint narrative:
XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
I received a call today from collection company Original Balance : {$19000.00} Current Principal : {$19000.00} Interest Due : {$110.00} Total Due : {$19000.00} COLUMBIA DEBT RECOVERY LLC DBA XXXX XXXX XXXX XXXX XXXX, WA XXXX I told the company this is fraud and they emailed me a fraud packet to fill out and email to them. I have been dealing with identity theft for a year now. I froze all accounts but still getting hit with collections from apartments that were opened in my name and information before I froze my accounts. 

ORIGINAL CREDITOR : XXXX XXXX I FKA XXXX XXXX I PLACED FOR COLLECTIONS ON : XXXX/XXXX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TX

Complaint narrative:
This is a two-fold complaint that deals with several State and Federal regulatory violations. In one such example, we will deal with and I complain of violations of the FDCRA ( 15 U.S. Code 1681 ) et seq ; and in the other, I allege, fraud, by a financial institution. I intend, depending on the outcome of this action, to seek private counsel for a private action. I am Complainant, XXXX XXXX XXXX. My XXXX is XX/XX/XXXX. Here is the background. In XXXX of XXXX, I moved from XXXX XXXX XXXX. At the time, I maintained an account in good standing with Simmons Bank. Because I intended to keep the account, although I rarely used the account ( I hadn't used it in over XXXX years ) the bank closed my account, allegedly for " dormancy '', in violation of XXXX XXXX XXXX XXXX XXXX. The bank, rather than to convey the funds to the state as required by statute, kept the money internally and refused a refund. The bank claimed that they charged a " XXXX XXXX '', which is contrary to law and to Simmons own policies and procedures. The amount was just under {$60.00}, however, a violation of this law, only requires a statutory amount of XXXX. I have asked for the refund, the bank refused. I was not made aware, nor had the bank, in spite of having my contact information, made any attempt to contact me, prior to the unlawful confiscation of the funds in the account. On XX/XX/XXXX, after being denied a refund of the so called fees, I attempted to open another account. I was denied. The reason I was given is that something was listed in XXXX XXXX, that was derogatory about me. However, I immediately contacted XXXX XXXX, and now have evidence that there is nothing derogatory about me, nor do I have credit issues. It is important, because the banks actions are retaliatory and because they used false information, in writing, as a reason to deny me access to a checking account. It is unlawful for a bank to without a court order, withhold funds from a depositor. It is also unlawful for a bank or other financial institution to fabricate non-existent fees, especially where those fees are contrary to law. Frankly, it is stunning that without the knowledge and consent of XXXX XXXX, a separate company, Simmons Bank, in a letter to me of " Adverse Action '' stated that the denial of my application for the account was based in whole on information obtained from this Consumer Reporting information. There is no other reason listed and the denial is retaliatory.

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