vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 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:
Someone stole my ID and social security number and used it without my consent and knowledge. The person also received an XXXX XXXX XXXX XXXX XXXX in my name. I am writing to request and initiate a formal complaint against XXXX, TransUnion, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-12-16 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:
Someone stole my ID and social security number and used it without my consent and knowledge. The person also received an XXXX XXXX XXXX  credit card in my name. I am writing to request and initiate a formal complaint against Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I mailed Equifax, XXXX XXXX XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Lien release
Company: Peer Advisors, LLC
State: NE

Complaint narrative:
My grandma passed away and XXXX XXXX XXXX XXXX  I know that my grandma had a reverse mortgage attached to her house and so I first start communicating with my grandmas reverse mortgage company back. Then I asked for appraisal and they refused to communicate with me and I, when I finally communicated with me I asked for a second appraisal they was gon na give me a short sale for {$30000.00} but in the meantime Covid hit him and I didnt have the {$30000.00} to pay off my grandmas reverse mortgage, but I did file a complaint for the lack of communication and off the record. They told me that they are not trying to kick me out of my house And so I did not do anything more in the meantime XXXX XXXX XXXX XXXX XXXX XXXX at a house fire and so my insurance company finally settled my claim so I start communicating with the reverse mortgage company again to pay off my grandmas reverse mortgage with the proceeds from my insurance company OK and I sent my second or third complaint I filed against this reverse mortgage company and because they refusing to give me an appraisal. My grandmas house when I live in it the last appraisal was {$30000.00} my grandma and then I could live in the house at that time. OK theyre trying to get me to pay off {$86000.00} reverse mortgage of my grandmas because its been out of a year been longer than a year and Which is fine OK but I can only violate the rules they allow me to violate the rules, and they violated their own rules by getting me to live in my house for as long as I did it to have a house fire, and to begin with the rules only applied them OK when its convenient for them when they can get more money out of me thats unfair. I shouldve never been allowed to live my house for that long to have a house fire. Therefore I feel that I should get my appraisal and I shouldnt have to pay off {$86000.00} reverse mortgage OK for a house thats inhabitable I want to be able to. I will have nothing left to fix my house or do anything with my house at that price

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: United PanAm Financial Corp.
State: NJ

Complaint narrative:
I am writing to bring to your attention a matter of ongoing concern related to a previously filed complaint XXXX XXXX XXXX XXXX XXXX XXXX  against United Auto Credit . Regrettably, the initial complaint remains unresolved, and I find myself compelled to escalate the matter. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 6802, I, as a federally protected consumer, hereby formally declare my decision to opt out of any and all authorizations I may have given United Auto Credit, encompassing written, unwritten, verbal, or nonverbal agreements. 

I kindly request the Consumer Financial Protection Bureau 's intervention to thoroughly investigate this issue and ensure that United Auto Credit complies with federal consumer protection laws. My primary objective is to terminate any existing authorizations associated with my account, and I seek your valuable assistance in expediting the resolution of this matter. 

Thank you for your prompt attention to this pressing concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express was told not to send marketing advertisements or solicitations to me. American Express continues to contact me about accounts and new applications. I have registered with the Do Not Call, made specific email and address opt outs, and I continue to receive solicitations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: MD

Complaint narrative:
On XX/XX/XXXX, I received {$2500.00} and was led to believe that I only needed to repay {$2700.00} in XXXX  months when I spoke to the rep. I did not realize that they take payments at a usury interest as they were going to take {$460.00} every XXXX weeks for XXXX  months. After I made XXXX payments, I asked what was the repayment amount. They said at least {$5600.00} cash which is over 100 %. Then they came down {$4000.00}. But did not take into account the {$1500.00} I already paid. If I had known they operated this way, I never would have taken the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/23 I was fraudulently charged {$760.00} by XXXX XXXX XXXX without authorization. I contacted Chime immediately to dispute and get a replacement card. Chime denied the dispute with no evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV Funding LLC has not provided debt validation of alleged debt. Its been over XXXX  months and they never sent me documents of my request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: GA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
In XX/XX/XXXX I filed for debt relief, The account at XXXX with a balance or around XXXX was included, After severe attempts by Freedom Debt Relief they refused to work with us. They placed the account as a collection on my report sometime in XXXX, Sued me for over {$9800.00} and before going to court they dismissed the lawsuit. 
I have sent a copy of the court order to the credit companies but they refuse to remove the collection We are attempting to refinance our house and this is causing problems with the new mortgage company, It lowered my credit score to a point where I have to pay XXXX percent more interest because of their collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XXXX I was having issues withdrawing money from my account at an ATM so I XXXX chime customer service number and talk to one of the agents so he says he is with chime so I've never had to call tech support for chime and the whole time as I'm on hold believing that I was being help with resetting my account he changed my account around he put my money in my checking from my credit builder account. Then I got hung up on and of course I called back Multiple times so then I realized I got scammed money was transferred to them I had seen in my history transaction I've have the number and password he try to use to get in my account and the email I reported to chime to dispute it I sent them all the evidence and proof I have to make the case easier to deal with I also assume if I was quick to give the information they would be able to catch them im really struggling in life and they to all the hope i had save up XXXX to make my life a less stressful i really feel like a fool and stupid i had hoped that chime would protect one its longest member I didn't feel they cared about my situation how quickly the close my case which was on the XXXX XXXX. 2023

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-16 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: GA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
XXXX XXXX Levy and Associates, XXXX Ohio improperly assigned a garnishment on me, and concretely, with evidence, XXXX credit card paid and closed. 
This credit card was reported stolen/lost, on XXXX documents , re-opened, and the identity thief authorized himself as user. I never received any card or information about this from XXXX. The charges from XXXX  forward, are for, mostly, XXXX XXXX XXXX XXXX. I do not play games or gamble. 
Therefore, I did not have a card or number. 
The card is in the name XXXX. 
XXXX in WI. Residing in IL. XXXX confirmed this name ( XXXX ) was the holder. 
The attorney, XXXX, for Levy is fully aware of this.

I requested they fix the credit reporting and remove all from court filing. Send all documents, etc. Levy employee, XXXX  stated, no. He stated release was filed XXXX, by XXXX. False. The docket, did not show the release, as of XXXX. 
I suspect, clear harassment and My loss and damages via one of the attorneys XXXX, are malicious and willful, conflict of interest, clear, abuse of authority, misappropriation, and crimes against my rights and due process/justice. 
I told XXXX, I have ID theft affidavit, etc The entire matter is wonton fraud. 
I am not the debtor, I suspect the company ignores all laws, riules, regulations regarding fact checking. Legal sham process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX both of my credit card accounts were closed. I made payments promptly and never had a late payment for the entirety of card ownership. Fast forward to the next year and I recieved preapproval letters from Capital One for another card so I applied and was instantly approved. A couple days later on XX/XX/XXXX Capital One again closed my account and restricted all access. From all of my cards, I never recieved my rewards balance despite having earned them through made purchases. I exhausted all channels of customer service to reopen my account unsuccessfully. I did not violate any terms of my agreement and Capital One refused to acklowledge that nor give me a reason as to why my accounts were closed. I was in absolutely great standing with Capital One until the week after XXXX when my cards were locked and later my account closed. They refuse to provide the exact code or line of the agreement that was violated because there was no justification in closing my accounts much less offering me another card, blacklisting me and closing that too. It was completely unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: MN

Complaint narrative:
THIRD TIME, READ, NO LONGER BEING PATIENT. YOU HAVE THE LAST FOUR OF MY SOCIAL SECURITY NUMBER. THE DEBT ALSO HAS THE LAST FOUR OF MY SOCIAL SECURITY NUMBER. YOU CAN VERIFY THE DEBT, YOU ARE BEING BLATANTLY XXXX, ABLEIST, IGNORANT, AND NON COMPLIANT. MY NAME WAS UPDATED OVER A YEAR AGO WITH THE IRS, DO YOUR JOB AND LOOK AT THE NUMBER TO MATCH THE DEBT, IF YOU ARE A REAL DEBT COLLECTOR AT ALL. FOLLOW THE LAW, STOP TRYING TO COLLECT FROM AND HARRASS A XXXX  XXXX SSI RECIPIENT. CEASE AND DESIST. I REPEAT, CEASE AND DESIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Flagship Credit Acceptance has been harassing me via telephone with multiple phone calls during the day and night in regards to a vehicle that I was last told via phone would be repossessed.

I was told by several agents at Flagship Credit Acceptance that there was nothing they could do to help me and an active repossession was in place. After that time Ive been called daily from multiple numbers and all hours of the day. 

As of today, they are in direct violation of my privacy and all aspects of the FDCPA, because I was contacted by a lady which is not a relative or friend of mine and she is definitely not one of my references given to Flagship Credit Acceptance. This is a XXXX XXXX XXXX elderly lady living in an assisted living home, according to her, and XXXX from Flagship called her and left a voicemail with my name, his name and Flagships number for her to let me know he called. She contacted me and sent me a screenshot of the voicemail transcription she received. 

UNACCEPTABLE! 

I have never been approached by anyone trying to repossess the vehicle, nobody has ever came to my home and knocked on my door and now they are harassing elderly people that has no relation to me at all! 

Then I answered a call from XXXX this morning and I asked why did he call a stranger and where did he pull that information from? He didnt answer any of my questions and told me You want us to call other people and give out all of your information? I said you can try, but its absolutely against the law and you would be sued if you do so. He said, Ok then, thats why we keep calling you. My question is for what? Ive already been told the car would be repossessed, why are you now harassing me and other people? Especially an elderly woman?! Im beyond disgusted and frustrated. It should have never gotten to this point. Im not putting up a fight with a repossession and they arent doing anything but constantly flooding my phone with calls. There is nothing further to discuss after I was told the car would be repossessed about XXXX weeks ago. 

They are in violation of my privacy and harassing me as well as strangers.

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 2023-12-16 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: OR

Complaint narrative:
In accordance with the XXXX 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 an 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 then records of convictions of crimes which antedates the report by more then 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 2023-12-16 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: OR

Complaint narrative:
In accordance with the XXXX 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 an 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 then records of convictions of crimes which antedates the report by more then 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 2023-12-16 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I sent this letter to PORTFOLIO RECOVERY ASSOCIATES. They are in violation of 15 USC 6802-6805 and the Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX bank 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 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 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 XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX 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 an 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 then records of convictions of crimes which antedates the report by more then 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 response to consumer: Closed with non-monetary relief