vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 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: IL

Complaint narrative:
There are plenty of incidences of noncompliance with mandated reporting criteria, thus the data in my report isn't accurate and comprehensive! Having stated that, I refute your claims and challenge you to show me that you have the authority to release this inaccurate, misleading information to my credit report. 
15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 
XXXX XXXX XXXX Late Payment {$590.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$1000.00}

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 2023-11-01 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: TX

Complaint narrative:
You're breaching on my rights! In this document, I've enumerated my issues with your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 

XXXX XXXX Late Payment {$730.00} XXXX XXXX Late Payment {$100.00} XXXX XXXX XXXX Payment {$10000.00} XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$7700.00} XXXX XXXX Collection {$7700.00} XXXX XXXXXXXX Collection {$7300.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Collection {$7300.00} XXXX XXXX XXXXXXXX Charge-off {$5600.00} XXXXXXXX XXXX XXXXXXXX Charge-off {$0.00} Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: OK

Complaint narrative:
On XX/XX/2023, I disputed the credit report and got the report back with no data verifying the debt.

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 2023-11-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I tried to correct this issues but I had no luck with this .I pay all of my bills on time and I never take people money .because I have to do right

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: IL

Complaint narrative:
There are plenty of incidences of noncompliance with mandated reporting criteria, thus the data in my report isn't accurate and comprehensive! Having stated that, I refute your claims and challenge you to show me that you have the authority to release this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 
XXXX XXXX XXXX XXXX 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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are plenty of incidences of noncompliance with mandated reporting criteria, thus the data in my report isn't accurate and comprehensive! Having stated that, I refute your claims and challenge you to show me that you have the authority to release this inaccurate, misleading information to my credit report. 
15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I purchased a vehicle from US Auto Sales in XXXX Georgia on XX/XX/XXXX which included a extended warranty. XX/XX/XXXX I was informed that US Auto closed and my loan was transferred to Westlake. When I reached out to Westlake about the warranty I was told that unfortunately mine did not get transferred. They then tried to sell me a new warranty under their company. I then tried different numbers I was given by Westlake and sent emails to three Westlake individuals concerning the breach of contract and requested either to get the monies back I had paid to Westlake since or find a way to get my warranty reinstated. I also stated I valued my credit and would be happy to continue the relationship if the warranty was still going to be honored. On XX/XX/XXXX Westlake notated my account as refusal to pay and put me as Cease and Desist. On XX/XX/XXXX my vehicle was repossed. I then received a letter stating they had repossed the vehicle, it would be sent to auction and I would be responsible for the balance of the loan not taken care of with the sale. On XX/XX/XXXX Westlake started to report my account as late and damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I made a {$1100.00} payment on XX/XX/XXXX and made a second payment of {$1200.00} the next morning. As soon as I realized my mistake, I requested a payment refund check. Capital One confirmed the funds were available and would be pulled from my account and that they could not cancel my payment. 

I was told it would take 10 days to receive the check. After 10 days had passed, I called them and they informed me that it would now be 20 days! 

On XX/XX/XXXX, approximately 25 days after the Refund Check was cut, I still had not received my refund check and asked them to process a stop-payment on the check and cut a new one. 

I received the refund check on the XXXX and called Capital One to see if there was anything that can be done. They informed me that they could not see a stop-payment on my account and that I was to deposit the check. 

I deposited the check in the XXXX of XXXX and the check bounced on XX/XX/XXXX. I was given no prior warning that I was given the incorrect information regarding the check and only found out when the that was {$1100.00} in my account got pulled out ( due to a bounced check ). Capital One also never processed a new check to be issued or cut to me after the stop payment was processed. 

It is now XXXX and I still do not have my {$1100.00}. They are telling me the only solution is for me to wait an additional 10 days. It should not be the banks clients/customers responsibility to bear the negative repercussions of your employees mistakes and errors. 

Please help me reach a resolution regarding this and for me to get my funds back. I have been having to figure out how I will make mortgage payments, provide food for my family, and make payments for utilities and this is all due to the incompetence of their employees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Contacted Chase to report fraud charge on XX/XX/23 for ACH debit to Dept of Ed Student Loan ID XXXX. Started claim and placed stop payment on transaction. Charge posted and called back XX/XX/23 and spoke with XXXX. She was able to give me trace ID but no contact information to where my money went to find who is using my account for fraud. Charge is for {$100.00}. Chase is only advice is I have the option to close my account of 31 years and open a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have had multiple hard hits to my credit in the last couple of weeks and I have not applied for and new lines of credit. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
In XX/XX/2023, I made two mobile deposits to my Citizens Bank checking account. Both were XXXX checks from the XXXX XXXX XXXXXXXX Department, one in the amount of {$6100.00} and the other in the amount of {$2700.00}. Without notice to me, Citizens Bank placed a hold on the availability of these funds. I called Citizens Bank on XX/XX/2023, to find out when the hold would be lifted, and was told that the entire amount of the 2 deposits would be available on XX/XX/2023. In reliance on this, I arranged for bill payments to be made on XX/XX/XXXX. 

On XX/XX/XXXX, I discovered that the hold had not been lifted. I called Citizens Bank again, and this time was told that the funds would not be made available until XX/XX/XXXX. My account in now overdrawn, by reason of the bill payments I made. I have no other income, other that Social Security. I am between apartments and will now have to sleep in my car until XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: IL

Complaint narrative:
Transunion Report. 

Address : XXXX XXXX XXXX XXXX, XXXX, Illinois, XXXX Phone number : XXXX XXXX XXXX Website www.transunion.com 1. in accordance with the Fair Credit Reporting act XXXX  Account number 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. 2. in accordance with the Fair Credit Reporting act XXXX Account number 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. 3. in accordance with the Fair Credit Reporting act XXXX Account number 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. 4. in accordance with the Fair Credit Reporting act XXXX Account number 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. 5. in accordance with the Fair Credit Reporting act XXXX Account number 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.

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 2023-11-01 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have had multiple hard hits to my credit in the last couple of weeks and I have not applied for and new lines of credit. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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:
I tried to use a ATM and it didn't have enough money so I got a receipt said authorized reversal and when I called ATM service they transferred it back to chime and chime keeps telling me it was a complete transaction but ATM service saying they sent it back and it shows in there system that but chime won't even look in to it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collins Asset Group, LLC
State: MD

Complaint narrative:
I am writing to complain about Accelerated Inventory Management , LLC ( " AIM '' ), a XXXX debt collector that obtained my credit information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ) without my consent. " AIM '' used that information as an attempt to threaten in the form of a lawsuit for amounts notated in that information. I sent " AIM '' a letter of validation and requested information related to the validity of their allegations since I had never heard of them nor had any prior contact. They did not send back anything that substantiates their claim that I owe them the debt in which they are threatening to sue for, only doctored copies they obtained in the apparent transaction of my information. This is fraud on multiple levels and I demand an investigation into these unfair practices that deceive consumers such as myself. 

These are the specific violations of U.S. Code committed by " AIM '' : 15 U.S. Code 1681b ( d ) ( 1 ) ( A ) : AIM obtained my credit information from Lending Club without my consent.

15 U.S. Code 1681c ( 1 ) : AIM did not send me a written notice of the alleged debt before threatening to sue me.

15 U.S. Code 1681c ( 2 ) : AIM did not validate the alleged debt before threatening to sue me.

15 U.S. Code 1692e ( 2 ) : AIM used false, deceptive, or misleading representations in an attempt to collect the debt by sending doctored copies of documents.

15 U.S. Code 1692e ( 10 ) : AIM used threats of violence or other criminal actions to attempt to collect the debt.

18 U.S. Code 1028 ( a ) ( 7 ) : AIM committed mail fraud by sending doctored copies of documents through the mail. 
Specific Examples of Unfair, Deceptive, and Abusive Practices : To summarize : AIM obtained my credit information from XXXX XXXX without my consent. 
AIM threatened to sue me for a debt that I do not owe.

AIM did not send me a written notice of the alleged debt before threatening to sue me.

AIM did not validate the alleged debt before threatening to sue me.

AIM sent me doctored copies of documents in an attempt to collect the debt. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation