vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX Monday XXXX I have money transfer from XXXX  XXXX  XXXX dollars that was initiated on a Friday and arrived Monday at XXXX. At XXXX I see a pre authorized charge from XXXX XXXX for XXXX XXXX I hit up my bank instantly & told them I did not authorize this? I hit up XXXX XXXX and they said a bank filed a dispute and took funds from my chime card that was attached on file. I was confused on what happened and see that I was scammed out my money chime took no action and closed my dispute leaving me of an inconvenience of XXXX $ short XXXX XXXX  cant do nothing neither can chime. I dont own a XXXX card Im not a member & dont know when I got hacked for this nonsense never authorized none of these transactions besides the XXXX $ transfer the dispute theyre talking about is from a whole month earlier??? I dont know whats going on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: The CMI Group, Inc.
State: CA

Complaint narrative:
THEY REPORTED A COLLECTION ACCOUNT FOR XXXX XXXX AND IT HAS DAMAGED MY CREDIT. COLLECTION ACCOUNT IS UNDER XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: MI

Complaint narrative:
Someone stole my identity and I have submitted disputes with XXXX and XXXX and Transunion and XXXX is still reporting wrong. I have asked them to update this information and delete these accounts from my credit report. They have failed to do so. Transunion has not updated my credit inquiries as well. They are reporting the wrong information on my credit report as well as payment history.

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 2023-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
SPEEDY CASH loan that was fraudulent XXXX XXXX Adjust XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: CT

Complaint narrative:
I have requested TransUnion and informed them that there are hard inquiries on my credit report that I did not request or give these companies permission to access my personal information. I have requested TransUnion to provide proof that I requested this and since I did not they need to remove this hard inquiry from my credit report. 

Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information.

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 2023-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This collection is appearing inaccurate on all three of my credit bureaus and i do not appreciate this account showing the wrong information

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 2023-05-28 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: GA

Complaint narrative:
This collection is appearing inaccurate on all three of my credit bureaus and i do not appreciate this account showing the wrong information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: CT

Complaint narrative:
I have requested XXXX and informed them that there are hard inquiries on my credit report that I did not request or give these companies permission to access my personal information. I have requested XXXX to provide proof that I requested this and since I did not they need to remove this hard inquiry from my credit report. 

Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information.

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 2023-05-28 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: MI

Complaint narrative:
Someone stole my identity and I have submitted disputes with XXXX and XXXX and XXXX and Equifax is still reporting wrong. I have asked them to update this information and delete these accounts from my credit report. They have failed to do so. XXXX has not updated my credit inquiries as well. They are reporting the wrong information on my credit report as well as payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
Hi, I hope all is well with whomever handles my case. I paid off their car refinance loan in XX/XX/XXXX with Bridgecrest ( XXXX ) located at XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. However, even though I called Bridgecreast several times in XXXX and XXXX for the remainder of the residual funds on my account post payoff, they never contacted me. Furthermore, I even tried to login and pull up my old account, but they appear to have deleted it. My account ended in the last XXXX number XXXX. Bridgecrest practices deceitful business practices towards their consumers. Therefore, I am requesting my refund amount from them. This is the reason I am them to your company. 

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 2023-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This collection is showing inaccurate on my credit profile, and i do not appreciate this showing own my 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 2023-05-28 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: GA

Complaint narrative:
This collection is showing inaccurate on my credit profile, and i do not appreciate this showing own my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This collection is appearing inaccurate on all three of my credit bureaus and i do not appreciate this account showing the wrong information

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 2023-05-29 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: MI

Complaint narrative:
On XX/XX/2023, I tried to withdraw XXXX dollars from an atm. I didn't recieve the money. I called credit karma and tried to dispute the action. They claim they sent me an email asking for my information and never recieved it. The only information I was asked for was the last XXXX of my social security number, which I gave them. I've been trying since then to get the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have asked the US Courts and XXXX XXXX to verify a bankruptcy that is reporting on my credit report. I was advised by both sources that it was unverifiable and should not be reporting. I received letters back saying that it was deleted but i still see it being reported and i know that this is illegal.

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 2023-05-28 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: FL

Complaint narrative:
Here is proof that Equifax is lying to me and the CFPB. I have been sending letters and complaints about fraudulent inquiries on my Equifax credit report and Equifax is responding here and also in letters saying that those fraudulent inquiries are been deleted it. I also sent them an identity theft report and nothing. Here I'm including a letter they send me and also a complaint they responded to say that the inquiries have been deleted, I'm also including a credit report from today 's date XX/XX/2023 from their own website that shows that all those inquiries are not been deleted like they say and still on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 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: OH

Complaint narrative:
In Accordance with the fair Credit Reporting Act XXXX  Accounts : XXXX XXXX  opened on XX/XX/XXXX for {$19000.00} XXXX  XXXX opened on XX/XX/XXXX for {$25.00} XXXX XXXX XXXXXXXX opened on XX/XX/XXXX for $ 794 XXXX XXXX XXXXXXXX XXXX opened on XX/XX/XXXX for XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for XXXX Dept of EducationXXXX opened on XX/XX/XXXX for {$8200.00} Dept of EducationXXXX opened XXXX XX/XX/XXXX for {$5100.00} XXXX XXXX opened on XX/XX/XXXX for {$73.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$510.00XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX for {$230.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$1100.00} US Dept of EDXXXX opened on XX/XX/XXXX for {$13000.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$680.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$1300.00} XXXX XXXXXXXX opened on XX/XX/XXXX for {$120.00} XXXX XXXX opened on XX/XX/XXXX for {$150.00} XXXX XXXX XXXX XXXXn opened on XX/XX/XXXX for {$1400.00} has violated my rights XXXX 
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 an account without my written instructions in fair resolution.

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 2023-05-28 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: OH

Complaint narrative:
In Accordance with the fair Credit Reporting Act XXXX  Accounts : XXXX XXXX  opened on XX/XX/XXXX for {$19000.00} XXXX  XXXX opened on XX/XX/XXXX for {$25.00} XXXX  XXXX  XXXX opened on XX/XX/XXXX for $ XXXX  XXXX  XXXX  XXXX XXXX opened on XX/XX/XXXX for XXXX XXXX XXXX XXXX opened on XXXXXX/XX/XXXX for XXXX Dept of EducationXXXX opened on XX/XX/XXXX for {$8200.00} Dept of EducationXXXX opened XXXX XX/XX/XXXX for {$5100.00} XXXX XXXX opened on XX/XX/XXXX for {$73.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$510.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$230.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$1100.00} US Dept of ED/XXXX opened on XX/XX/XXXX for {$13000.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$680.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$1300.00} XXXX XXXXXXXX opened on XX/XX/XXXX for {$120.00} XXXX XXXX opened on XX/XX/XXXX for {$150.00} XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for {$1400.00} has violated my rights XXXX 
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 an account without my written instructions in fair resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal permanently restricted my account and has been holding my funds for over 2 years after saying to me over the phone 2 years ago that my funds will be held for 180 days & that I would receive an email on instructions on how to remove my funds its been 2 years going onto 3 soon & PayPal agents still cant help me out. Still no emails or further information?? 
Its XXXX dollars they are holding

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
As a result of mistaken balance billing from " medic one '', I was billed from XXXX of XXXX that which was a result of identity theft.Ive never gotten a notice of a bill of any time until it came upon my credit report in XX/XX/XXXX through an alert from the XXXX credit bureaus notifying me that I had something in collections.I then took note of it and called " professional credit management ( pcm ) '' and they said that I owed them a bill of {$1200.00} due to an ambulance ride.I told them that I've never got into their ambulance in the year of XXXX and requested an itemized breakdown of the bill with my signature signifying that particular bill also proving that it was me with a contractual agreement with my signature " in agreement '' on the itemized bill... and all I received back through my email was a bill with my name on it with a date of XX/XX/XXXX without still no signature of agreement nor anything proving any contractual agreement signifying that I was the actual person they had picked up and put into their ambulance. In result of this, my credit report is damaged and is beyond repair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
My Care credit account was closed in XXXX, I have been back and forth with them as to why. It was not for inactivity nor missed payments but instead for submitting too many payments.

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 2023-05-28 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: MA

Complaint narrative:
XXXX XXXX XXXX is reporting incorrect information on my 3 credit bureau XXXX didnt provide any proof to comply with the Federal credit reporting act. HAS not provide to any of the 3 credit bureau and me with proof of the original contract with my signature showing that Iam the owner. XXXX XXXX keep hiring different collection agencies to contact me and put information on my credit report. when to small claims in 2 different counties in massachussetts knowingly didnt send me notification of the small claims court date the court granted since I didnt know about this court dates however after I contact the court both court Westfield distriict court of and Greenfield district court reversed the judgement. However XXXX XXXX XXXX keep giving those reverse judgement to the credit bureau agencies knoiwing they are not valid and doesnt provide proof of any of the document I request under the FEDERAL CREDIT REPORTING ACT. Moreover Iam a customer of credit one credit card I have my credit card with credit one which LNVN Allegely both 2 accounts from credit one, Iam in good standing with XXXX XXXX XXXX. I never done any transaction with XXXX XXXX XXXX. I need XXXX Funding to deleted that information from my credit bureau is in violation of the FCRA>

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 2023-05-28 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: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
Subject : Cease and Desist Communication, Notice of Identity Theft, and Request for Debt Validation Dear Sir/Madam, My name is XXXX  XXXX XXXX a federally protected consumer. I'm filing this complaint to bring to your attention a matter of utmost concern regarding the alleged debt you claim I owe. This communication serves as a formal complaint, notice of identity theft, and a request for debt validation. 

First and foremost, I want to make it explicitly clear that I have never given Amsher Collection Services any permission to use or disclose any of my identifying information. It has come to my attention that you have been using my personal information, without my consent, to contact me about an alleged debt. This unauthorized use of my identifying information constitutes a severe violation of my privacy rights and is a clear case of identity theft. 

As a consumer protected by federal law, I am aware that the assignment of a defaulted note is illegal, as stated in Article 9. This implies that any purported assignment of the alleged debt to your agency is invalid and void. Consequently, both the assignee ( Amsher Collection Services ) and the assigned ( original creditor ) are liable for violations under 15 U.S. Code 1692e ( 12 ). 

In light of the above, I demand that you immediately cease and desist all communications with me regarding this alleged debt. Furthermore, I request that you provide me with the following information : 1. Proof of your authorization to contact me regarding this alleged debt.

2. Documentation verifying the existence and validity of the alleged debt.

3. Documentation showing that the original creditor lawfully assigned the debt to Amsher Collection Services. 

If you are unable to provide sufficient proof that I owe this alleged debt, I demand that you remove all references to this debt from your records and cease any further attempts to collect it. Failure to comply with this request will leave me no choice but to pursue legal action seeking {$1000.00} per violation, as provided by the Fair Debt Collection Practices Act ( FDCPA ). 

I expect a prompt response to this letter within 4 business days from your receipt. Your cooperation in resolving this matter amicably and without further delay will be greatly appreciated. Please send all correspondences regarding this issue to the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation