vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: UT

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX, UT XXXX Employers XXXX XXXX XXXX XXXX XXXX RETIRED Employers : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Former : XXXX XXXX XXXX Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX filled an dispute with chime for the amount of XXXX due to an issue with an atm dispensing money. On XX/XX/XXXX I received an email stating the investigation was completed and claim was denied. How is that possible that chime in one day completed an investigation without even requesting the information from the atm merchant? This is not the first time I have filled a dispute with chime and even in the past I have being denied the claim in less than 24 hours. Banks are requested by law to investigate all claims. In the past I had to contact consumer financial protection bureau and even started a lawsuit against chime for not complying with the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX FL, XXXX XX/XX/year> Aldous & Associates XXXX XXXX XXXX XXXX, Utah XXXX Dear Sir/Madam, I am writing to formally dispute the validity of the debt referenced ALDOUS, XXXX XXXX ], {$220.00}, currently being pursued by your agency. Upon review of your communications and actions regarding this debt, it has become apparent that you are in violation of several federal regulations, namely 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

According to 12 CFR 1006.34 ( b ) ( 5 ), debt collectors are prohibited from making false or misleading representations, including the false representation of the character, amount, or legal status of any debt. Your agency has failed to provide adequate documentation validating the debt in question, despite my previous requests for verification. This lack of verification raises serious concerns about the accuracy and validity of your claims.

Furthermore, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) mandates that debt collectors must provide consumers with a validation notice containing specific information about the debt within five days of their initial communication. To date, I have not received any such validation notice from your agency, thereby violating this regulation.

Additionally, 12 CFR 1006.34 ( d ) requires debt collectors to cease collection activities until they have provided consumers with verification of the debt upon request. Despite my repeated requests for verification, your agency has continued its collection efforts without providing any substantiation of the debt 's validity.

Finally, under 15 USC 1681-S2 ( 7 ) ( A ), debt collectors are prohibited from using unfair or unconscionable means to collect or attempt to collect any debt. Your persistent attempts to collect on an unverified debt, coupled with your failure to comply with federal regulations regarding debt validation, constitute unfair and unconscionable practices. 

In light of these violations, I demand that you immediately cease all collection activities related to the aforementioned debt and remove any negative reporting from my credit file until such time as you can provide valid verification of the debt in accordance with federal law. 

Furthermore, I expect your agency to provide written confirmation that all collection efforts have ceased and that the debt will no longer be pursued until proper validation is provided. Failure to comply with these demands will leave me with no choice but to pursue legal action to enforce my rights under the law. 

Please consider this letter as formal notice of my dispute and request for validation of the debt. I expect a prompt and appropriate response within 30 days from the date of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2024-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Carvana Group, LLC
State: AL

Complaint narrative:
I am trying to purchase a car through Carvana. On XX/XX/XXXX made an ACH transfer for {$22000.00} for down payment on vehicle ( XXXX XXXX ) I later changed the vehicle, and intended the down payment to transfer to a different vehicle ( XXXX XXXX ) on XX/XX/XXXX but instead an additional down payment of {$22000.00} was drafted from my account as well as {$490.00} delivery fee. The XXXX was to be delivered on XX/XX/XXXX. I tried to receive a refund for one of the down payments, but XXXX said the payment is still pending. Then today on XX/XX/XXXX they canceled my order. So now I am out of {$44000.00} with no car coming. I just want my money back now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: UT

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Bankruptcy : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX Court : U.S. Bankruptcy Court XXXX XXXX Bankruptcy XXXX XX/XX/XXXX Court : U.S. Bankruptcy Court Late Payment : XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, UT XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, UT XXXX Employers : XXXX XXXX Employers : RETIRED Employers : XXXX XXXX XXXX Employers : XXXX XXXX XXXX Former : XXXX XXXX XXXX Name : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: OK

Complaint narrative:
Equifax is purposely not sending me an updated credit report. I spoke to supervisor XX/XX/year> at XXXX XXXX  CST. XXXX XXXX Employee ID XXXX. 
I advised the agent that when I log into my Equifax account, I get the following message. 
Please give us a call and give this code to the Agent : XXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXXEQUIFAX ( XXXX ). 

Our call center hours are : XXXX XXXX  to XXXX XXXX  ( ET ), Monday through Friday, and XXXX XXXX  to XXXX XXXX  ( ET ) Saturday and Sunday. 

If a credit bureau willfully violates the FCRA, the plaintiff may be entitled to damages, including actual damages, statutory damages, punitive damages, and attorneys ' fees. A " willful '' violation occurs when the credit bureau acted recklessly, meaning it knew or should have known that it was violating the FCRA. 

The ECOA protects individuals and businesses from discrimination in accessing and using credit.

In addition to the FCRA and ECOA, a consumer may also have rights under Regulation B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: UMB FINANCIAL CORPORATION
State: NY

Complaint narrative:
My employer uses XXXX XXXX XXXX as an HSA service provider. XXXX  offers two options for managing HSA assets, the money can be kept as a simple savings account ( held at UMB Bank ) or one can choose to invest the money in a HSA investment account ( serviced by XXXX  ). XXXX charges {$2.00} a month ( $ 30 year ) for the investment option, regardless of the balance in the account. I don't want to pay a recurring fee for having my HSA money invested, considering there are so many other firms that do not charge for this service. I found several options of brokerage accounts without fees, such as XXXX, so I opened the account at XXXX. 

Once I transferred the funds to XXXX I realized that UMB Bank charges {$25.00} for money transfers. I called to better understand the reason and they said this is a standard fee and I that I wasn't made aware before since it's on the account disclosures. I have never read such disclosures since this service provider was chosen by my employer, not me. 

The issue is that I and my employer continue to make contributions to the XXXX/UMB HSA account as this is how the HSA service is set up, so I would incur a {$25.00} fee each time I transfer money to XXXX. I asked Alight and UMB Bank for another option to get my money out and they said the only option is to do an " HSA rollover '', however this option is limited to once every 12 months by the IRS. Therefore, limiting my ability to transfer my money to a financial institution of my choosing without incurring a fee within that 12 month period. 

XXXX doesn't allow me to choose a different custodian for my assets but they also will not wave the fee to get my cash out, so I would always have to pay {$25.00} each time I want to move my money to XXXX. 

I find this fee excessive and restrictive. I have spoken with both UMB and XXXX and they said there is no solution, pay {$25.00} with each transfer or wait the 12 months to move my money. This is simply unacceptable. 

The alternative would be to keep the cash in the savings account that doesn't charge fees but this prevents me from investing the assets and forgoing growth in my HSA account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Good evening, I was paid a compensation for participating in the beta testing of a new educational software. 

The payment was in the form of XXXX XXXX Rewards Prepaid cards issued by Incomm Financial Incentives. 

The payment was issued in two ( 2 ) XXXX $ prepaid XXXX XXXX XXXX. 

The advertisement is misleading. The company claims the prepaid cards can be used anywhere online and in-person, also added to online wallets such as XXXX XXXX XXXX XXXX XXXX XXXX a XXXX XXXX , and more. 

They also claim it can be used like a regular credit card anywhere XXXX XXXX is accepted. 

This is not true. 

I have tried unsuccessfully to add my card and use it in many online stores only to be declined because of ZIP code security or the order just being stuck in a processing limbo without confirmation. 

These cards shouldn't be sold if they are not going to satisfy the benefits the company promise and advertise. 

I tried to add it to my XXXX XXXX  : Didn't work I tried to add it to my XXXX : Didn't work I tried to add it to a mobile Wallet XXXX and XXXX : Straight out rejected them. 

I tried adding it to my XXXX account to pay for groceries and rideshares : Didn't work. 

All of these companies accept regular XXXX XXXX cards. 

The company claims the prepaid cards will work in any merchant which accepts XXXX XXXX, which is utterly misleading. 

In the attached documents, I will display all the declined transactions and the prepaid cards information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-21 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: IN

Complaint narrative:
I have been a victim of identity theft. All transactions and charges on this account are fraudulent. I never benefited from any of these transactions.

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 2024-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
Initial amount that was financed has grown despite the interest rate staying at 5.9 % We havent missed a payment in 3 years and we now owe more now they we initially took out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV. has failed to provide Validation and Title ownership documents XXXX XXXX Agreements, and Account Level documents requested to provide legal validation and ownership of alleged debt legally. LVNVs ' failure to respond and provide rebuttal to affidavit received by their company line by line including the previous requested documents and files has enacted the self executing counterclaim contract which is to be arbitrated by XXXX XXXX XXXX. LVNV has failed to provide validation, verification, and Account Level Documentation, ownership of account documents as well as Purchase and Sale agreements ; Bill of Sale as well to provide documentation and status of ownership of account. Including Form -B-1 with Notice of disclosures, and XXXX XXXX Sale agreement of account and ownership status to verify and validate. Account Level Documentation, Tracking numbers, and certified return receipts of delivery confirmation of the documents signed by me prior to reporting to Bureaus, repositories, reports, data, and data bases. Per the guidelines of Regulation F 1006.34.

Pre- Arbitration Notice This is considered official Pre-Arbitration Notice and notice of self executing counterclaim contract to be enacted. From previous notice of dispute 1. Any controversy or claim arising out of or relating to this contract, or the breach thereof, shall be settled by arbitration administered by the XXXX XXXX XXXX in accordance with its XXXX XXXX Rules and judgment on the award rendered by the arbitrator ( s ) may be entered in any court having jurisdiction thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime is fraud bank I never use this account since last year someone hack my account as my knowledge My activity this account not reported my email or phone. 
This bank allow them to all fraud transactions in and out someone use different email to transfer money buy or purchasing illegally item in this account they use my account different account and my wife account to transfer money via quick pay Last month i open to check why chime account activity come my bank thats alert me but chime not reported any fraud I ll be dispute all this transaction and chime deny but only send XXXX dollar Chime make fraud transaction without my knowledge all I need dispute or either file a law suit this bank all transactions history I have in my record and this month I file case

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 2024-10-21 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: Zions Debt Holdings
State: TN

Complaint narrative:
In XXXX XXXX XXXX XXXX XXXX XXXX attempted to intimidate me into paying for a reported balance for alarm monitoring service that I was no longer receiving from them. I was under contract with another agency as I explained to them. They threatened placing a delinquent account on my credit report which they eventually did. I filed a complaint with the XXXX ( complaint # XXXX ) after researching this tactic as a common predatory motive of XXXX XXXX XXXX with unsuspecting consumers. It caused my credit score to drop substantially so I filed a dispute with XXXX. I was awarded relief by XXXX as XXXX XXXX was not able to provide a written contract and obligation of payment. The delinquent report was removed from my credit report and my credit score restored to XXXX.Recently I discovered XXXX XXXX XXXX sold the bogus collection to ZIONS DEBT HOLDINGS and they attempted to collect. I advised them I did not have an account with XXXX XXXX and they threatened to place the account in collections and report it to the credit reporting agencies. I explained to them I had already satisfactorily disputed the issue with XXXX XXXX fraudulently reporting a delinquent account with XXXX. ZIONS DEBT HOLDINGS still reported the same account as delinquent to XXXX and now I'm going through the same process of having the derogatory mark removed from my credit report and my credit score restored to above XXXX. ZION DEBT HOLDINGS is also attempting to collect interest to add insult to injury. I have always honored my financial obligations as evidence by my excellent credit score. I am asking that these ruthless, predatory agencies be investigated and levied appropriate consequences. This has to stop

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

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 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
Good Morning Hope all is well name is XXXX XXXX XXXX Sunrise credit Group LLC place a debt of {$1500.00} in collections on my credit report. I called them and ask them could they send me the True bill or a state they did not have that information and i refuse to give them my social security number. This goes back to 15 USC 1692e ( 4 ) Thank you so much.

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 2024-10-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am filing this complaint against Navient for repeatedly contacting my workplace, including my colleagues, managers, and organizational executives, regarding my personal student loan. These actions have caused significant distress, and I view them as harassment. Despite my efforts to handle this matter privately, the company has escalated the situation by involving my professional contacts, which jeopardizes my reputation and employment. I have requested multiple times that all communications be directed to my personal email or phone, but Navient has disregarded these requests. This behavior is unprofessional, invasive, and has created unnecessary tension within my workplace. 

I am seeking a resolution that prevents Navient from contacting my workplace or any professional colleagues regarding my personal matters. Additionally, I would like to formally request a cease-and-desist order to stop this harassment immediately.

Company response to consumer: Closed with explanation