vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late f purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX, Experian, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  all continue to report on my credit bureaus I have constantly sent in numerous disputes and affidavits asking to verify and delete of accounts I've sent in a police report they have deleted the accounts and then they reappear back on to my credit bureaus I have contact these companies XXXX and Underwriters to speak to about the debt that they are claiming they're trying to receive but they state that they are not the ones reporting that is the credit bureaus that continue to report. Hard inquiries continue to be inquiried, accounts reappear as if they're new accounts, negative reports of closed, under the FDCA and in GOOD FAITH asking to be deleted. I have sent in police reports I've sent in affidavits and the accounts are already closed they're reporting is damaging my. PRESENT & FUTURE I am not able to get business credit, personal credit, Loans, a Mortgage so to be a productive citizen I need revenue and without credit there's no Revenue this is detrimental to my livelihood mental stability and physical wellbeing.

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 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: SC

Complaint narrative:
I was banking with chime back in XX/XX/2022 they closed my account for whatever reason I wasnt notified about my account I informed the company that my account has been hacked TWICE! They told be me to send in the documents that was required which Ive done MULTIPLE TIMES! and I still dont have the money that is owed to me from when they closed my account the amount that is due is {$250.00} Ive contacted them through their 24/7 support chat no response this has been going since XX/XX/XXXX which is when my account closed it now XXXX and I still dont have my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate.

This is false because there are a number of inaccuracies on my consumer report that still remain.

1. Nothing under 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. What is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency. To misconstrue the requirement of reporting accurate information with the non-requirement to report negative information is a direct violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) and constituted my information being reported without lawful authority. 
XXXX XXXX XXXX XXXX XXXX XXXX This account was paid as agreed. This account was never charged off as listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was paid as agreed. This account was never charged off as listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account has been deleted from Equifax but somehow it is still being reported by you. I am aware that 15 USC 1681i states that if an item is deemed to be inaccurate or incomplete, then, the credit reporting agency shall delete it and notify the data furnisher and creditor. If Equifax notified you and the data furnisher that it was inaccurate and incomplete, how are you still reporting this information? 
XXXX XXXX XXXX XXXX XXXX  They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). 

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: MT

Complaint narrative:
Dear CFPB, It has come to my attention that there is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error, nor is it my request to block being made on the basis of material misrepresentation of the fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of notice. I look forward to your response. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I sent a letter to Caine and Weiner Company Inc on XX/XX/XXXX certified mail and I never got a response. 
USPS # XXXX They are attempting to collect an alleged debt I do not owe. 
They are not even licensed in New York State and pursuant to New York regulation rules states that a debt collector have to be licensed in New York State to even attempt to collect any debt from a New York City resident.

15 u.s.c 1681 section 602 A States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Need address added onto credit report due to compromising documents new address on file should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also keeping the one on file XXXXXXXX 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 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
Dear CFPB, It has come to my attention that there is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error, nor is it my request to block being made on the basis of material misrepresentation of the fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of notice. I look forward to your response. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime
State: FL

Complaint narrative:
Monday XX/XX/XXXX I applied for an vechicle XXXX XXXX XXXX in which i was approved But after email and phone conversation I am filing a complaint regarding my experience when trying to finance a vehicle with DriveTime I was approved online and upon speaking with XXXX from the XXXX Fl location he proceeded to tell me that a downpayment was required, compelling me to give him my social security number/card, and asking to verify my income. I expressed to him how that is a violation of 15 USC 1605 and that down payments aren't required when financing a vehicle. Compelling me to give my social security number is also a violation of 42 USC 408 ( 8 ) and in fact is a felony. Also the definition of Income according to 26 CFR 643 refers to stocks, bonds, trusts, and estates. As a consumer when obtaining goods for personal, family, and household purposes I can, t be denied credit and completed that application in good faith. There are multiple consumer violations and even though I have already been approved I haven't heard back from him which now I am being discriminated against. I have not had a pleasant experience and will seek legal action if this matter can't 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 explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
An auto-payment from my credit Union checking acct. to PayPal Buyer Credit was transacted on XX/XX/2021 unbeknownst to me at the time for {$1400.00} I realized this transaction occurred when searching for another PayPal  Credit transaction from my online checking acct. in XXXX XXXX where all other PayPal transaction are listed as well. I have sent statements/transaction verifying payment confirmation along with a letter drafted by the manager of my credit union verifying the same. I am now in a redispute waiting for a decision of PayPal Credits second investigation regarding this case. Basically at this point, the auto-payment that was made that I did not or dont remember authoring for {$1400.00}, especially because my balance at that time was under {$300.00} dollars giving me know reason to make such a payment anyway, according to paypal can not be located.

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
During the recently ( XX/XX/2022 ) concluded cycle, Chase Sapphire Reserve did not apply the month 's returns and adjustments to the purchase balance. But instead applied the returns and adjustments to a previously established My Chase Plan ( an extended payment plan ) balance. As a result, the payment I am expected to make next month is inflated by the amount of returns and the My Chase Plan balance is deflated by this amount. Consequently, what would have been an 18 month My Chase Plan payment plan, will now be for a period less than 18 months. 

Upon noticing this, I called Chase Customer Service and spoke with a Supervisor who accepted and agreed with my claim but said that thats the way the plan has been designed by Chase. The supervisor claimed that Chase is unable to determine where to apply the returns!! That is clearly untrue as Chase knows very well of the original purchase transaction ; the returns should have been applied to purchase balance and not to the My Chase Plan balance. 

When I pointed out to Supervisor of a hypothetical situation of a return of XXXX  against the original XXXX purchase, the Supervisor candidly agreed that I would be paying of the My Chase Plan balance because of the incorrect and egregious business practice being conducted by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has completely failed to respond to any of my questions are statements made I. My previous complaint. Instead they trie to validate the records which is not the issue at hand. The issue is the validity of their ability to report anything to the credit bureaus without my express consent and wet paper inked signature. Again I will reintegrate. 
1. If my signature is on file giving creditor the explicit consent to furnished extremely detailed reports to consumer reporting agency I would like to receive a copy of that document for my review. 
1.a. If said document can not be provided within 15 days these alleged late payments should be removed expeditiously. Please read up on 15 USC 1681 Section 602 which states the consumer has the right to privacy. Creditor is not allowed to disclose detailed information to a consumer reporting agency without express written consent. 
1. b. Please provide written consent with a signature under consumer law where the consumer has agreed to the violation of said rights. 
1. c. If they can not provide this request document with consumer verified signature expressing full consent their claims become fruit from the poisonous tree and all transactions therefore after are thus illegal activity. Which are fraudulent activities. 15 USC 1681 Section 604 A Section 2 1. d. I demand that company provide this proof immediately as of today, failure to do so may arise in legal action against company for failing to provide authentication of consent in their furnishings. 
2.a. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. It is illegal for the creditors report ANY detailed activities on my credit report. Creditor is only allowed to furnish information on whether a not a transaction was opened or closed. Any other information provided is a direct violation of said consumer law. Late payments are defined as detailed information and goes against consumer law codes. I never gave creditor consent to furnish any information not protected under consumer law. 

I will provide the attached documents where they did not directly answer any of my questions. Instead they tried to straw hat my argument. I will not tolerate that level of disrespect. I will continue to fight for my express rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Td bank allowed someone to steal my identity and steal over XXXX dollars out my account they then wouldnt reimburse me for identity theft or let me file a claim cause my account was closed due to whoever stole my identity depositing fake checks into my account till this day I still havent gotten reimbursed for my business checking account when I call they tell me go to the branch to make the complaint and file a dispute when I get to the branch the workers are to lazy to file this the dispute cause they have to do it manually and then the branch wont let me open a new business account just incase I do find a good worker that will file these disputes and a provisional credit is granted they are not treating me fairly and its like Im just out of all that money behind this I really need a lawyer for this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a dispute online and Experian and XXXX supposedly investigated the issue and it came back as a valid debt. It is not and if they properly investigated with the information below and attachments I submitted they would see it's not a proper debt and needs to be removed from my credit report. 


We moved out of our apartment ( XXXX XXXX XXXXXXXX ) XX/XX/XXXX. In XX/XX/XXXX, I contacted them to get an apartment verification for a home loan and I was told that we had a {$3000.00} balance for failure to vacate the property without notice. I told XXXX XXXX property manager ), we did give proper notice and even showed him the email that was sent to the previous property management, he said that it was not valid. I contacted the previous property management company, who confirmed I gave proper notice AND that information was emailed to me. My husband personally went to the office and gave XXXX the copy along with a copy of the picture of the walk thru we did with his former employee and he said he would send it to corporate for approval and get back to us within a week. Two weeks later, we heard nothing. My husband went to the property again and was told by XXXX that corporate denied the approval and we still had the {$3000.00} balance and now he was saying that included damages. I contacted corporate several times in XX/XX/XXXX and finally received a response in XX/XX/XXXX from XXXX XXXX. I was told the charges would be corrected and would only be charged for damages, which she estimated around {$900.00} or less. Again I never heard anything until in XXXX I received notice that they sent me to collections. I contacted corporate again and several times since and have not had a reply from them til this day. XXXX the property manager did reply and said he left me a voicemail and I didn't pay so he sent it to collections. I asked when he left me a voicemail because I never received a call from him, he said he didn't know. Furthermore, if my balance for damages was around {$900.00}, I'm sure they didn't take into account that I gave a {$1200.00} deposit and therefore don't owe them anything, they would owe me money. Also, he could have contacted me via email because he had my email address ; that was included in the email from XXXX XXXX ( his corporate office ). And in the paperwork I gave him also included my forwarding address, I never received a notice by mail either.

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Bureau of Council Bluffs, Inc DBA Credit Information Systems
State: NE

Complaint narrative:
An authorized inquiry on my credit report that should not be there XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following accounts were never late I have sent 4 letters without a response XXXX XXXX XXXX Negative Negative Negative open, installment, collection, past due, assigned to attorney, collection agency, or XXXX XXXX XXXX XXXX XXXX department, seriously past due XXXX XXXX XXXX Negative Negative Negative Was 30 days late 3 time ( s ). Was 60 days late XXXX time ( XXXX )., XXXX days XXXX days late XXXX XXXX XXXX Negative Negative Negative Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s )., revolving,30 days late,60 days late, delinquent, past due XXXX XXXX XXXX XXXX Negative Negative Negative Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 3 time ( s )., revolving, settled,30 days late,60 days late,90 days late XXXX XXXX XXXX  Negative Negative Negative Was 30 days late 1 time ( s )., Was 30 days late 3 time ( s )., revolving,30 days late Please remove the accounts from my credit report

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