vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 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: IL

Complaint narrative:
I have a credit building card through XXXX, XXXX Bank XXXX XXXX The XXXX credit building card is a pre-paid card that can only have a negative balance of a maximum of {$50.00}. On XX/XX/XXXX I transferred {$250.00} from my XXXX  checking account to my credit builder card account. I paid a storage unit payment on XX/XX/XXXX for a total of {$200.00}. On XX/XX/XXXX I made multiple purchases through XXXX for {$50.00}. At this point, my credit builder account had a negative balance of less than {$1.00}. On XX/XX/XXXX I received an email from XXXX XXXX that said my credit was impacted and my credit score went down. When I checked my XXXX XXXX account it showed that XXXX reported my credit builder account had a negative balance of - {$230.00}. After looking into my accounts I disputed the balance in XXXX XXXX. Today XX/XX/XXXX, I contacted XXXX to find out why my credit builder account reported a negative balance. They told me that it was how the credit agencies interpret XXXX reports and i would have to dispute it with the credit agencies. I have since turned off my credit builder card with a balance of {$0.00}. I then XXXX  if anyone else had a similar problem with XXXX. I found that this problem has been happening for years and has yet to be corrected by anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: CA

Complaint narrative:
ACCOUNTS HAVE BEEN OPENED WITHOUT MY KNOWLEDGE OR CONSENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL
State: FL

Complaint narrative:
On XX/XX/2023 I parked in a parking lot owned by XXXX XXXX XXXX XXXX ( address listed on the ticket for this company is XXXXXXXX XXXX  XXXX, XXXX XXXX # XXXX, XXXX, GA XXXX but on the collection notice I received from OxygenXL the address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX ) - phone number XXXX ). The payment for this parking lot is through a kiosk. I paid for my parking at the only kiosk in the parking lot that was situated about XXXX feet away from my parking spot. Furthermore, there was signage all around this parking lot stating that it was controlled by the kiosk I paid at. I have proof of my payment. I received a ticket saying, " Failure to pay - Payment displayed not for this facility ''. When I disputed the ticket I asked for further explanation and proof on how the payment remitted was not for the facility seeing as I paid at the only kiosk in the parking lot and the kiosk and the signage said it controlled the parking lot. The response I received from PPM was simply that my dispute was denied with no further explanation. 

I would also like to note that on the ticket I received the vehicle listed is a " dodge ram pickup XXXX XXXX ''. I own a XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Another detail that makes me question the validity of the ticket. A representative of XXXX named XXXX issued the ticket so maybe he made a mistake. 

Now OxygenXL a collection agency is sending me collection notices. I ask OxygenXL to provide the same proof I asked for from PPM. The response I received from their subpar debt verification was, " We reviewed your request and confirmed the account information above is accurate, '' yet they did not provide me with any proof or detail as to how they confirmed that I did not pay for the facility that I was parked in. 

Lastly, I would like to note so there is no question in this matter, my proof of payment shows the expiration for my parking was at XXXX. The ticket I received shows it was issued at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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:
I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts 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 2024-04-09 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-09 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: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX, I was the victim of various unauthorized and fraudulent charges to my checking account, including through XXXX XXXX XXXX XXXX XXXX XXXX I immediately disputed all charges with my bank and received provisional credits. The credits from the XXXX and XXXX charges were made final but my bank reversed the credits and denied my claims for the charges from XXXX and XXXX XXXX, {$490.00} and {$1400.00} respectively. For XXXX XXXX charges, they claim that I received a benefit, but this is incorrect and I don't understand how they concluded this. I never authorized the fraudulent transfer and the name of the person who received the funds ( XXXX XXXX ) is someone I do not know. For XXXX XXXX, they have given me XXXX explanation as to why they did not issue me a final credit. When I have repeatedly asked for more information via phone, the various bank representatives say they do not know. This is a very frustrating ordeal and very unfair to me. Clearly my account was compromised and yet the bank has refused to help me and I am left at a loss. I am a senior citizen on a limited income so this is particularly stressful to my well-being and ability to survive financially. I already tried to submit this complaint once ( XXXX ) but it was closed without a response because my legal aid attorney helped me file it and US Bank said they can't respond because she is not officially authorized on my account. I have not heard anything else from them. Therefore, I am submitting this again per CFPB 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 monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I originally opened an account with XXXX XXXX  which I had credit applied and made payments to.. this debt was sold without my knowledge after I made payments that doesnt reflect in the amount that was owed. I agreed to a settlement for partial cost and now this company is saying I owe them.. it was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
Reaching out to have this account ( XXXX XXXX ) removed as it has been paid in full. I have fulfilled my end of this account and it should not have gone to collection. Requesting this be deleted and removed immediately as it has caused major damage to my credit report. 

GENESIS CREDIT MANAGEMEN is the company that has the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Around XX/XX/XXXX I noticed I wasnt able to log into my Chime account. It said the account was locked so I went ahead and emailed the provided address to get a hold of Chime to unlock my account. they sent me a QR code that led me to a verification page, but it wasnt working, they then told me I had to call, but since I was out of the country I had to wait until I was home. once I returned back home, I called them ( XX/XX/XXXX ) and they told me that my account was permanently closed. They told me this information without asking anything except my first and last name. I told them I had {$100.00} in my account to which they told me they cant tell me any information about my account but it was closed due to a violation of their policy. They were unable to tell me what policy and they were unable to refund me any money in the account. I have no idea what violation I made since I only had the account for a couple days and had made my first deposit. This seems illegal to close my account when no violation was made and to not refund any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Federal student loan was transferred from Aidvantage to XXXXXXXX XXXX XXXX. Both are reporting loan as open and full amount due. XXXX and Aidvantage confirm that XXXX is the correct servicer. However Aidvantage refuses to properly report to credit bureaus that the loan is transferred, closed with them and balance XXXX. When I called to ask them to correct their error, they said theyll send me a letter and I can dispute with credit bureaus myself.

Poor business that they make this reporting error, more so that they refuse to correct their error and tell me to dispute it. Disputes take months awaiting reply and this negatively impacts my credit score while I wait ( larger debt owed than I actually owe ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
My car was repossessed and sold at an action for least and they want me to pay the remaining balance on the car. I no longer have the car.

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 2024-04-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: KY

Complaint narrative:
While I was at work on Friday, XX/XX/2024 between XXXX & XXXX somehow, someone was able to withdrawal cash out of an ATM from my NETSPEND Acct XXXX Per Netspend 's App these transactions occurred at an ATM @ XXXX XXXX XXXX XXXX XXXX XXXX ( ATM inside XXXX XXXX ) XXXX : Transaction was a Balance Inquiry ( charged {$.00} ) XXXX : Charge/ATM Fee = {$1.00} - DECLINE FEE ( I had a little under {$300.00} available in my account ) XXXX : Transaction / Cash Withdrawal = {$260.00} + {$3.00} = NETSPEND XXXX XXXX XXXX : Charge/ATM Fee = {$2.00} ATM Fee Unfortunately i wasn't aware of these transactions until later that evening on my way home from work i stopped at a store & happened to check my balance. I immediately called Netspend to report the fraudulent charges. I explained I was at work on the other side of town from where this ATM is located. Ive never even been to this XXXX before nor have i ever checked my account balance at an ATM. Why would I pay XXXX cents when i can see my balance for free on the APP. 
I receive a weekly direct deposit on this card from my employer, yet Netspend still wouldnt provide me with a provision credit. I was advised they would investigate and it could take XXXX  days or XXXX days, XXXX or even XXXX days to investigate. 
Today I filed a police report with XXXX about the stolen money.

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 2024-04-09 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:
I did not give permission for these questions to be asked, and they have nothing to do with me. I want my credit report to be immediately updated with their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am disputing, yet another violation of my consumer rights. Under 15 US Code 1629c ( c ), it clearly states if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector MUST CEASE ALL COMMUNICATIONS. I have been receiving constant phone calls, text messages and emails and at will to sue! 

I do NOT have a contract with these collection companies and have no knowledge of them. Therefore, you must DELETE from my credit report immediately. 

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 non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: AL

Complaint narrative:
Purchased a vehicle from XXXX XXXX XXXX which is out of business, from what i recall the dealership stated I had warranty and gap coverage, according to Westlake Financial who purchased the account from Vehicle Solutions stated there wasnt any warranty or gap coverage, Ive asked for a copy of the contract still havent received it, always get transferred or hung up on, and cant never get around to explaining an situation or asking questions. nevertheless the car was voluntarily surrendered. Looking over my credit report Westlake Financial has reported inaccurate information regarding payment history and balance owed to both XXXX, XXXX, and XXXX. Payments were never 30 days late, and also from the payment history the account shows charged off with a XXXX  balance, but shows on the credit bureaus as XXXX XXXX balance with a past due balance XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> purchased thru my Chase credit card thru Chase travel airline tickets for premium economy for the amount of XXXX. United airlines says Chase travel only paid for basic economy not premium. I am seeking the price difference of over {$400.00}. I have contacted Chase travel numerous times and each time said they would look into it and contact me, but still no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I opened an account with a banking company- they provided me an account number on the day I opened the account XX/XX/XXXX and on XX/XX/XXXX they sent an email stating that they are closing the account. Per 15 U.S.C. 1681 - The banking system is dependent upon fair and accurate credit reporting. This bank did not perform this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CA

Complaint narrative:
- XX/XX/XXXX : my leased vehicle was totaled in an accident where I was not at fault - XX/XX/XXXX : I made an on-time lease payment as I waited for XXXX to process the claim - XX/XX/XXXX : XXXX paid the XXXX XXXX XXXX XXXX XXXX XXXX, the leasing company - XX/XX/XXXX : I called XXXX to verify my account was fully paid off. The call was recorded and they confirmed it was paid off/ no amount owed by me - XX/XX/XXXX : I called XXXX asking for a refund of my XX/XX/XXXX lease payment. In that recorded call, they confirmed again there was no amount owed by me - XX/XX/XXXX : I received a letter from XXXX saying my account was in collections but there was {$0.00} owed by me ( letter attached )- XXXX XXXX, XXXX : I receive a credit alert that XXXX had closed this account and that I owed more than {$15000.00} - Last few days : I have called XXXX repeatedly trying to figure out what is going on and they have extended their resolution timeline from 48 hours to 7-10 business days to 30 days to now " you'll get an update on the status in the next few weeks ''. I also confirmed with XXXX that their system is showing many different possible numbers that I might owe, from {$0.00} to {$17000.00} and none of the # XXXX tie to the {$15000.00} that was reported to the credit agencies. 

This situation is unacceptable. This is a hugely negative impact on my credit on an account that I was repeatedly assured has a {$0.00} balance and I have no visibility on when it will be resolved

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 2024-04-09 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: CA

Complaint narrative:
- XX/XX/XXXX : my leased vehicle was totaled in an accident where I was not at fault - XX/XX/XXXX : I made an on-time lease payment as I waited for XXXX to process the claim - XX/XX/XXXX : XXXX paid the XXXX XXXX XXXXXXXX XXXX XXXX ), the leasing company - XX/XX/XXXX : I called XXXX to verify my account was fully paid off. The call was recorded and they confirmed it was paid off/ no amount owed by me - XX/XX/XXXX : I called XXXX asking for a refund of my XX/XX/XXXX lease payment. In that recorded call, they confirmed again there was no amount owed by me - XX/XX/XXXX : I received a letter from XXXX saying my account was in collections but there was {$0.00} owed by me ( letter attached )- XXXX XXXX, XXXX : I receive a credit alert that XXXX had closed this account and that I owed more than {$15000.00} - Last few days : I have called XXXX repeatedly trying to figure out what is going on and they have extended their resolution timeline from 48 hours to 7-10 business days to 30 days to now " you'll get an update on the status in the next few weeks ''. I also confirmed with XXXX that their system is showing many different possible numbers that I might owe, from {$0.00} to {$17000.00} and none of the # XXXX tie to the {$15000.00} that was reported to the credit agencies. 

This situation is unacceptable. This is a hugely negative impact on my credit on an account that I was repeatedly assured has a {$0.00} balance and I have no visibility on when it will be resolved

Company response to consumer: Closed with explanation