vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Dunlap Gardiner LLP
State: GA

Complaint narrative:
I am writing to file a complaint regarding a frustrating experience I have had with a debt collector and subsequent collection agency. I believe their actions are in violation of the Fair Debt Collection Practices Act ( FDPCA ). Allow me to provide you with the details of the situation. 

On XX/XX/, I received a summons from XXXX XXXX XXXX XXXX XXXX XXXX c/o Dunlap Gardiner LLP , claiming that I owed a certain amount of {$4000.00}. In response, I promptly answered with an affidavit to validate the validity and accuracy of the alleged debt. 

To my surprise, Dunlap Gardiner then responded dated XXXX XXXX XXXX with statements containing different amounts owed- {$4600.00}, which was contradictory and inconsistent with their initial claim. This inconsistency raised concerns about their adherence to accurate record keeping and transparency. 

In an attempt to clarify the conflicting information and dispute the alleged debt, I sent a formal dispute via certified mail with return receipt, requesting an explanation and validation of the debt. I believe I was exercising my rights under the FDCPA by seeking to verify the debt claim and ensure that I am not falsely held accountable for an incorrect or fraudulent debt. 

However, dated XXXX XXXX XXXX, I received a collection letter from a separate collection agency XXXX XXXX. This letter claimed that I owed the same alleged debt, but in the amount of {$8800.00}. This occurrence further adds to my distress and suggests that XXXX XXXX XXXX XXXX may not have provided accurate information to the subsequent agency, or they added extra fees. 

Furthermore, on XXXX XXXX XXXX  I went to my court trail and Dunlap Gardiner the attorney asked the court for a motion of continuous because it was brought to his attention that XXXX XXXX was attempting to collect for the same alleged debt. I am currently waiting for our next hearing ; however XXXX XXXX 30-day time frame is up on disputed debt. 

I am deeply concerned about the potential violations of my consumer rights, as both parties failed to provide consistent, accurate, and transparent information. These actions only serve to confuse and mislead me, causing unnecessary stress and concern. 

I kindly request that the CFPB investigate this matter thoroughly to ensure that these debt collection practices comply with the FDCPA and other relevant consumer protection laws. Additionally, I would appreciate appropriate action being taken against all parties involved, for their misleading, inconsistent, and potentially deceptive conduct. 

Thank you for your attention to this matter. I hope that this complaint leads to a fair resolution, upholding the principles of consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: NY

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. 

Account Name : 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 XXXXXXXX has violated my rights. Or a list of inquiries : 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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2023 I sent a certified letter to experian asking for specific documentation on how their company went about verification of certain items on my credit report, including how their dispute process works. No information was sent to me from Experian and they are in violation of my rights as a consumer according to FCRA ) Section 611 ( a ) ( 7 ). Experian failed to provide the requested documentation within the 15-day period as required by 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 2023-11-17 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: WA

Complaint narrative:
I am writing to submit a formal complaint against Experian located in XXXX XXXX, CA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Experian has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Experian has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

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 2023-11-17 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: MI

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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX months ago chase bank closed my account without any notice and never returned the money in the card to me. chase bank initially promised to return the money to me after checking my account in a month but kept waiting for XXXX months without sending me the money. I called the bank many times during the waiting time but they always told me to wait and said they didn't know how long it would take and that there was a possibility that they wouldn't give me my money back. I am a student and I don't have that much money and I am living a very difficult life right now. I don't have any money on me due to chase bank suddenly closing my account. I have about XXXX XXXX  in my account which is my living expenses and I hope chase bank will hurry up and give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: MS

Complaint narrative:
On XXXX XXXX I sent a letter to the credit agents requesting for them to update the inaccurate information on my credit report. They are reporting late payments on XXXX different accounts. I have not received any letter of method of verification. Due to these accounts were not update they violate FCRA, they are in violation of the law. 
These violations include but not limited to : 15 USC 1605 15 USC 8 15 USC 1692j I am frustrated because these accounts should be updated, and they are impacting my life.

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 2023-11-17 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: FL

Complaint narrative:
On XX/XX/XXXX I had a conversation with Chase Credit Card Services supervisor named XXXX. Their number is XXXX. I disputed a charge I found on my credit card statement that I did not make nor recognize in the amount of {$230.00} at XXXX. I advised XXXX that I still had possession of my card but did not ever recall making that transaction of {$230.00} at XXXX. Ultimately he advised that the charge would stand as valid and I would be responsible for the charge. This is completely wrong. I should not be responsible for charges I did not authorize. He claims that the card has a chip and it was used in store and it is next to impossible for the card to have been used fraudulently. I was offended as it feels as if I am being accused of being a liar and my credit card company is unwilling to assist me in resolving this issue. I am adamant that I did not make this charge and would like for it to be removed as this was fraud. As an XXXX XXXX too often we are not given the benefit of doubt and not deemed not trustworthy even if the dollar amount is so insignificant. I am an upstanding individual with excellent financial record with Chase Credit Card and its quite disappointing to have been treated so unfairly. I am seeking CFPB support to resolve this dispute as I have been honest and did my part to report unauthorized activity on my card in a timely manner. Chase Credit Card purports to offer XXXX liability on fraudulent charges but it seems like it only applies to card holders of certain demographics. This is XXXX and this type of discrimination and arbitrary application of good will is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I submitted a letter along with a police report and ftc identity theft report stating that I recently pulled my credit and noticed it was accounts that I did not open or authorize anybody to open up which would make me an identity theft victim, TransUnion only deleted XXXX account " XXXX XXXX '' and left the other XXXX along with the inquiries that I did not authorize either. The accounts TransUnion left are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX and XXXX inquiries ( see attachment ). XXXX deleted XXXX accounts " XXXX XXXX XXXXXXXX and XXXX XXXX '' but left XXXX which was XXXX XXXX XXXX XXXX  ( see attachment ).

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 2023-11-17 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: CITIBANK, N.A.
State: FL

Complaint narrative:
During my travels abroad, I encountered an overbilling issue at a hotel, which was duly acknowledged by the hotel staff. Subsequently, I received correspondence from the hotel extending apologies for the error, alongside a request from their banking institution for Citi Bank to intervene and rectify the situation. Regrettably, my initial claim with Citi was rejected, followed by a subsequent rejection of the second claim. I've been informed verbally that the third claim was approved ; however, as of yet, I haven't received any written confirmation from Citi. 

The frustration arises from the apparent reluctance of Citi to address a customer 's legitimate concern, despite clear communication from the hotel owner acknowledging the overbilling and their bank 's explicit request for Citi 's involvement. Despite possessing undeniable documentation supporting the validity of my claim for a credit, Citi continues to dismiss my credit requests, which is deeply concerning. Furthermore, the bank has informed me of their action in crediting Citi with the amount owed to me following Citi 's belated outreach to them. Yet, I find myself unable to obtain a transparent and honest response from Citi regarding the resolution status. 

Throughout approximately XXXX to XXXX communications, the consensus among Citi 's lower-level staff unequivocally supported the legitimacy of my claim. However, there seems to be a discrepancy between their acknowledgment and the decisions made at higher echelons, resulting in continued rejection of my claims. 

This persistent discrepancy is not only disconcerting but also indicative of a systemic issue within Citi, reflecting a lack of commitment to fulfilling customer promises and an apparent deficiency in oversight mechanisms.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX ran a hard inquiry on my Transunion report on XX/XX/2023 without my consent. I submitted a request for documentation that shows that authorized the inquiry and have not received a response

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Can you update my address and name on my credit profile.

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 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, Today, XX/XX/XXXX of 2023, I checked my Bank of America accounts online, and found out there was a charge to the joint account ending XXXX {$8.00} by XXXX XXXX. I asked my son regarding this charge he told me this charge was meant for anime subscription ; however, as you can recognize it on the printout, the merchant category of your bank record said, digital goods, games. Unfortunately, the conversation with my son was performed by text message of my old phone ; therefore, it is impossible to provide the printout. After my question to him, where did you get that company information, the message had stopped with my son. Upon the request of my complaints and disputes, the XXXX XXXX XXXX had already refunded the charges made by XXXXXXXX XXXX  for XXXX months totaling about {$48.00}, I seriously consider this charge to my Bank of America debit card must be illegal and fraud. For these reasons, I request the refund of {$8.00}. 

Sincerely,

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 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: KS

Complaint narrative:
Earlier this week Chime sent the " pay anyone '' money I was sending to my friend to an entirely different person. I spent 2 hours on the phone with them explaining this to them, they allowed me to finally dispute the transaction and assured me it would be taken care of. However they immediately denied them dispute which was money donated to me for medical expenses and they refuse to reimburse me for their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. 
Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: OH

Complaint narrative:
Spam calls I was unaware were Discover bank since I already receive so many spam calls a day. Sent documentation to wrong address so I was unaware still. I am willing to pay back I just do not want civil suit. I was also hospitalized when the court papers were sent. I got out of treatment on XX/XX/2023. Im struggling mentally and financially and am looking for mercy on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

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 explanation