vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XXXX XXXX at XXXX I was at the cvs to use the atm machine from XXXX XXXX.I was trying to get {$160.00} out of the atm machine.As I was doing that I was on my cellphone talking when the money of {$160.00} came out.I noticed that the money of {$160.00} had returned to the atm machine as I got off the phone.Im pretty sure the bank confirmed it with Chime.But Chime is being dishonest with my money of {$160.00} and they also charge me a fee for using the atm.I called Chime on XXXX XXXX to confirm this issue.But Chime never processed what I explained to them.I waited thinking it was processed in 6 days.On XXXX XXXX I called Chime again and Chime processed the dispute.Within 1 day on XXXX XXXX Chime denied my dispute.Claiming they have contacted the merchant.If the merchant was contacted then my money of {$160.00} would have been back in my account.Which my money of {$160.00} is not in my account.Anytime something doesnt go through of something of a similar issue happens the money of {$160.00} should have not cleared due to the money of {$160.00} going back into the atm machine.Im sure the XXXXXXXX XXXX cleared the $ XXXX believe Chime is being dishonest.They stole my money of {$160.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: LEXISNEXIS
State: NC

Complaint narrative:
DEBT OF EDUCATION/XXXX  I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO - 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I have tried multiple times to show them that my trip was cancled XXXX the remaining XXXX is fraud i have sent email after email and they still keep saying i owe money i also have tried contacting original issuer they say they cant verifiey my identity they said i set up pass code and i did not i also have sent them email after email and email cancelation of trip and still nothing!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Company does not have a California license to collect on California debts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: MD

Complaint narrative:
XXXX XXXX has my XXXX reporting twice on my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: NJ

Complaint narrative:
I have automatic direct deposits of {$3700.00} every two weeks from work and automatic withdrawals into a high yield savings account following this. I recently had a reduced direct deposit of approximately {$3600.00} and thus when the {$3700.00} was subsequently withdrawn, I received an overdraft fee. And then I remained with a slight negative balance and incurred a {$20.00} every two weeks and to the point that I had over {$170.00} in fees in a short period of time. I received NO notifications, neither by text, nor email nor phone call. I asked Laurel Road to reverse the charges and they said they would only do so for one {$20.00} charge. This is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Per the Data Breach settlement, my information was compromised my Social Security number, account information, and personal information were intruded. The data breach incident has led to the inclusion of erroneous information in my credit report, which does not accurately reflect my financial standing. I am requesting that all data related to this breach be removed from my credit report immediately as it is not a true representation of my credit history. 

Furthermore, I would like to bring to your attention the laws and regulations that support my request for the deletion of these files. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. In cases where the information is a result of identity theft or a data breach, consumers are entitled to have such information removed promptly. 

I urge you to investigate this matter thoroughly and take the necessary steps to delete all erroneous data related to the data breach intrusion from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : NET CREDIT Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Company does not have a California license to collect on California debts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: MI

Complaint narrative:
A new account in collection was added to my credit report, then followed by a letter. None of the account information is anything I have ever opened on my own behalf in my name. The collection was either added by mistake or I could be a victim of identity theft. 
I asked for the written agreement and signatures along with any other info when the account was opened. That could not be produced. This is a red flag - how can a collection be placed on my credit file with no supporting info except my name ( which isn't even correct ) and an old address. This info is easy to find on the internet, I don't understand how these practices can happen without proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN claims they investigated an account and contacted the data furnisher to verify the account however they BLATANTLY LIED and I have documentary proof. XXXX XXXXXXXX XXXX is closed ( via my screen shot ) so how could EXPERIAN verify that I was never late in this acccount? If EXPERIAN claims they received a copy of the notice that was sent to me by XXXX XXXXXXXX XXXX via green certified mail return receipt with my signature on it proving they notified me in writing prior to furnishing negative accounts to my consumer report please provide it or update this account to PAANL ( Paid As Agreed Never Late )

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 2024-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I requested him to validate his debt by sending me the original contract with my signature on it and they havent and they keep harassing me from different numbers all times of the day and night

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

CARES Act Covid 19 Bill S 3548 provides guidance to lenders to provide a guaranteed deferment to consumers for one year. The extension " Accommodations '' was not given to me during the Covid -19. During a Declared National Emergency I was discriminated against and my credit to be impaired. 
Regulations Reg B Billing Code : 48-AM-P Bureau of Consumer Financial Protection 12 CFR Part 1002 Equal Opportunity ( Regulation B ) ; Discrimination on the Bases of XXXX Orientation and Gender Identity The Bureau of Consumer Financial Protection ( Bureau ) is issuing this interpretive rule to clarify that, with respect to any aspect of a credit transaction, the prohibition against XXXX discrimination in the Equal Credit Opportunity Act ( ECOA ) and Regulation B, which implements ECOA, encompasses XXXX XXXX discrimination and gender identity discrimination, including discrimination based on actual or perceived nonconformity with sexbased or gender-based stereotypes and discrimination based on an applicants associations. 
Violations : CARES act, Reg B, Privacy, UDAAP, FDCPA, FCRA, Fair Lending Laws.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

CARES Act Covid 19 Bill S 3548 provides guidance to lenders to provide a guaranteed deferment to consumers for one year. The extension " Accommodations '' was not given to me during the Covid -19. During a Declared National Emergency I was discriminated against and my credit to be impaired.

Regulations Reg B Billing Code : 48-AM-P Bureau of Consumer Financial Protection 12 CFR Part 1002 Equal Opportunity ( Regulation B ) ; Discrimination on the Bases of XXXX Orientation and Gender Identity The Bureau of Consumer Financial Protection ( Bureau ) is issuing this interpretive rule to clarify that, with respect to any aspect of a credit transaction, the prohibition against XXXX discrimination in the Equal Credit Opportunity Act ( ECOA ) and Regulation B, which implements ECOA, encompasses XXXX XXXX discrimination and gender identity discrimination, including discrimination based on actual or perceived nonconformity with sexbased or gender-based stereotypes and discrimination based on an applicants associations. 
Violations : CARES act, Reg B, Privacy, UDAAP, FDCPA, FCRA, Fair Lending Laws.

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 2024-03-22 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: NY

Complaint narrative:
XXXX XXXX XXXX EQUIFAX MORTGAGE SER XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2024 - This inquiry shows multiple times on the same day XXXX XXXX XXXXXX/XX/2024 - his inquiry shows multiple times on the same day XXXX XXXX XXXXXX/XX/2024 Total of XXXX inquiries on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover Bank Violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

I am writing to file a formal complaint against Discover Bank, located at XXXX XXXX XXXX, XXXX, DE XXXX, for its blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681i, among others.

Discover Bank has inaccurately reported an account on my credit report as charged-off and closed by the credit grantor. However, this account was charged off and subsequently sold to a debt collector. Given that Discover Bank no longer owns this account and has been compensated for it, the persistence of this trade line on my credit report is incorrect and misleading. Furthermore, my successful court victory against the junk debt buyer further substantiates the inaccuracy of the trade line. 

Additionally, the reported charge-off amount is erroneous. Prior to XX/XX/year>, I had made substantial payments towards this account, which are not reflected in the reported balance. This misrepresentation has unjustly impacted my XXXXredit score and financial standing.

Pursuant to 15 U.S.C. 1681s-2 ( a ), Discover Bank is required to furnish accurate information to consumer reporting agencies and correct and update any incomplete or inaccurate information. Moreover, under 15 U.S.C. 1681i, as a consumer, I have the right to dispute the completeness or accuracy of the information in my credit report, compelling Discover Bank to rectify any inaccuracies found.

Discover Banks refusal to amend this inaccurate trade line despite my disputes and supporting documentation violates these FCRA provisions. This action not only harms my creditworthiness but also undermines the integrity of the credit reporting system.

I request the Consumer Financial Protection Bureau to intervene in this matter and compel Discover Bank to comply with its legal obligations under the FCRA, including the immediate correction of my credit report and any other relief deemed appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
To whom it may concern, This is in response to a denial of credit letter that was sent to me dated XX/XX/year>. 
I have submitted a registered security via the Electronic Fund Transfer Act, it is my understanding that my signature secured the security, in which per your Indenture you are selling that security on the secondary market and making profit daily. I did not GIFT you my signature/security. I expect Considerable Value to be given in exchange. Holders shall have an absolute right to receive payment of the principal of, and interest on, their Notes when due, and to institute suit to enforce any such payment. IN SHORT THE CREDIT APPLICATION IS a Asset-backed security ( A ) means a fixed-income or other security collateralized by any type of self-liquidating financial asset ( including a loan, a lease, a mortgage, or a secured or unsecured receivable ) that allows the holder of the security to receive payments that depend primarily on cash flow from the asset, including- ( i ) a collateralized mortgage obligation ; ( ii ) a collateriilzed debt obligation ; ( iii ) a collateralized bond obligation ; ( iv ) a collateralized debt obligation of asset-backed securities ; ( v ) a collateralized debt obligation of collateralized debt obligations ; and ( vi ) a security that the Commission, by rule, determines to be an asset-backed security for purposes of this section ; and Per 15 USC 78c ( a ) ( 79 ).

I demand access to my credit immediately, with open-ended credit pursuant to 15 USC 1602 ( J ). If you do not perform your fiduciary duty and follow the Action given, I will be forced to report you to the SEC for securities fraud alongside a financial securitization audit of my account. Please keep in mind, fraud has no statute of limitations and I will seek all remedies to the fullest extent of the law. We need not be at odds, I implore you to work with me for the continued prosperity of your company. I look forward to future investments with you.

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 2024-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I got diagnosed with XXXX XXXX XXXX, so the monthly payment of XXXX was to much for me to continue to pay so iv asked to lower my payments due to not working as much, XXXX, an my XXXX XXXX. A still havnt received an answer. I financed my used XXXX  XXXX XXXX at 23 % interest rate the cost of the truck was only XXXX its worth XXXX an with after interest it came out to XXXX which is crazy but I need a vehicle so I was desperate an I was a first time buyer at the time of purchase. I need help

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 monetary relief
Consumer complaint received 2024-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 


Account name : CAPITAL ONE Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and so on.

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 2024-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I was notified by phone of this debt, and was told if I went on a payment plan they would not report to the credit bureaus. They still reported to XXXX and my credit went down XXXX points. All calls are on a recorded line so they lied to me, the consumer, just to get some type of payment out of me. I am XXXX and live on a very limited income. I feel like they took advantage of me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX This account was charged off on the following date XX/XX/XXXX. Since then, the date of last activity has been inconsistently updated. On Equifax the date last active is ( XX/XX/XXXX ), on XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). If the information is coming from the original creditor the dates should be the same. These accounts are not reporting 100 % accurate so it is deemed INACCURATE. Please delete this account immediately. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete

Company response to consumer: Closed with non-monetary relief