vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
I have been denied for products and or services based on information received from NexisLexis. However, when I have requested the report based on the information received from NexisLexis, I have been informed that they have no record of me in their database. This has been going on for several years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
Deposit from XXXX XXXX ( Employer ) XX/XX/XXXX Chime suspended my account on XX/XX/XXXX for suspicious activity regarding a pending deposit that I had no knowledge of. I was asked to submit verification of my identity and residence which I did. I was also asked to verify proof of ownership of several " linked '' debit cards to my account, when I was asked to provide this information I kindly let the support team at Chime know several times that those debit cards did not belong to me and never belonged to me but for some reason they did not believe me and did not give me a reason why the don't believe me and won't provide any additional information. Now Chime is holding my funds of {$2100.00} from my employer in their system and they won't give it back. I was told by several team members that there was nothing i could do until i provide proof of ownership of the debit cards and my identity but i can't provide proof of ownership of something I never owned in my life. I work hard for my money so the fact that the U.S. government allows this company to operate with no oversight and no accountability is senseless. How can the highest level of escalation at the company not assist me with my issue or at least give me my money back. The people at this company are thieves and I demand you hold them responsible. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I have an account that has been bought from a credit card company and to my understanding, I am no longer responsible for that debt. I do have email correspondence that says that my account has been bought from the original creditor and I would like for it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
During a period when i was in hospital and not well, i used my account to get food. Over this period US Bank charged me for 18 overdraft fees! or {$640.00}! I deposited cash to cover my debits ( for purchases ) and also paid 2 overdraft fees! 

Please see attached the download of my checking account to see the charges. This is unfair, reasonable and unjust.

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 2022-10-07 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX has violated my rights, i requested to validate this debt but did not get response from the debt collection agency, how did you verify this account? this is against HIPAA violation to release a medical record without my authorization, I did not remember giving XXXX XXXX to release any of my medical records to XXXX XXXX XXXX. Please Investigate this account and XXXX did not send a letter for me to validate that this account is mine FCRA says by law they are required to send me a letter to validate this before they can collect and report this to credit bureaus.

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 2022-10-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Colony Brands, Inc.
State: IL

Complaint narrative:
I HAD A ACCOUNT WITH SWISS XXXX AND PAID IT OFF BUT ITS STILL BEEN ON COLLECT AND CREDIT BREAU WOULD NOT REMOVE AFTER SENDING A LETTER FROM SWISS. ALSO THERE HARD INQUIRIES THAT I DID NOT APPLY FOR AND ASK FOR DELETION FROM XXXXXXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collins Asset Group, LLC
State: TX

Complaint narrative:
I am hereby giving notices to Collins Asset Group LLC and XXXX XXXX XXXX to Cease and Desist communication in regards to an alleged debt that is reporting onto my consumer report. 

The term communication Pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium.

Any medium includes any written, oral or electronic or any other medium. Furnishing negative information on my consumer report is a form of communication.

This is a formal notice to cease communication through ANY medium including my consumer report as it is a form of communication regarding an alleged debt.

This is a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and my reputation has in fact been ruined in regards to this negatively reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX Following are the dates when the problem was disputed and is still not fixed nor have they sent me the proof that it is valid for XXXX Bank XX/XX/XXXX XXXX the late payment posting of XX/XX/XXXX - 30 days late XX/XX/XXXX Disputed the late payment posting of XX/XX/XXXX - 60 days late XX/XX/XXXX Disputed the late payment posting of XX/XX/XXXX - 180 days late Disputed again on following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The porblem is not fixed yet nor have they mailed me the proof that the payment was 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 2022-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This is RIDICULOUS!! HOW MANY CONPLAINTS DO I HAVE TO FILE!!? MY BANKRUPTCY WAS FILED XX/XX/XXXX WHICH MEANS YOU'VE EXCEEDED THE 7 YEARS TO REPORT. I WANT THE FRAUDULENT AND UNAUTHORIZED INQUIRIES REMOVED IMMEDIATELY. IVE BEEN DISPUTING SEVERAL OF THEM SINCE 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 2022-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXXXXXX  we received email ( attached ) showing a supposed charge and asking if it was legit. Saying to call the number on email if it was not. My wife called that number and man promised a removal of charges supposedly made on her XXXX account. Instead of removing said charges, instead new charges were made through XXXX onto her Capitol one card. 
There was no success in any attempt at resolving these charges as we all we had was an email ( attached ) which was fraudulent. 
On XX/XX/XXXX/XXXX  this activity with these charges was first reported to Capitol one. My wife then closed her current Savor card and requested a new one. 
In the meantime, in addition to filing now this dispute with you we have taken additional steps. 
On XX/XX/XXXX we filed a consumer report to the Federal Trade Commission. 
Additionally on XX/XX/XXXX we filed a police report over these charges.. 

Capitol one did not even initially inform us that these charges came through XXXX. It was not until XX/XX/XXXX that we learned this. So we then contacted XXXX. 
XXXX Dispute # is XXXX XXXX said they sent us emails but we have no record of such. 

XXXX now says that since we did not contact them first that these claims are now solely up to capitol one to reverse or not. 
NO product or service ever rendered in all these cases yet we were charged multiple times. 

Thank you for considering my case. I hope you can help. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX has violated my rights, i requested to validate this debt but did not get response from the debt collection agency, how did you verify this account? this is against HIPAA violation to release a medical record without my authorization, I did not remember giving XXXX XXXX to release any of my medical records to XXXX XXXX XXXX. Please Investigate this account and XXXX did not send a letter for me to validate that this account is mine FCRA says by law they are required to send me a letter to validate this before they can collect and report this to credit bureaus.

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 2022-10-07 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX has violated my rights, i requested to validate this debt but did not get response from the debt collection agency, how did you verify this account? this is against HIPAA violation to release a medical record without my authorization, I did not remember giving XXXX XXXX to release any of my medical records to XXXX XXXX XXXX. Please Investigate this account and XXXX did not send a letter for me to validate that this account is mine FCRA says by law they are required to send me a letter to validate this before they can collect and report this to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.

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

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 2022-10-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-10-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-10-07 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX credit card company in XXXX admitted sending a card renewal notice to my landline telephone, which can not accept ANY test messages- this resulted in XXXX XXXX charging me for a missed payment, a late fee and finance charges- TWICE. Since I had not used this card for ANY purchases over the prior 12 months I did not monitor this card status.- however, when I did check, on-line in XXXX, I then became aware of this situation and immediately called XXXX XXXX  and asked to have this corrected - but the representative informed me that there was nothing he could do - at which point I asked to have ALL accounts CLOSED - which was done. HOWEVER, XXXX XXXX did not remover correct the " 30 days past due '' reporting, which was entirely of their making. I contacted XXXX, XXXX and TransUnion, both on-line and by certified letter in XXXX informing of the facts and requesting the the " 30 days past due '' be removed from their reporting. XXXX- changed the posting to " account closed '' at customers request. XXXX, supposedly investigated, but refused to change the posting, while clearly being given self-serving information from XXXX XXXX- who refused to recognize that THEY created the negative situation they were reporting. I am still waiting for the response from TransUnion.

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