vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors.

or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. 

This is unfair and if they are doing this to me imagine who else they are doing this too. 
Can you fix

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 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: GA

Complaint narrative:
There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Transunion credit report immediately. 
Please remove the following : - XXXX XXXX XX/XX/23 - Thank 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 non-monetary relief
Consumer complaint received 2024-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Had fraudulent activity in my chase bank account around XX/XX/XXXX - XXXX XXXX Claim XXXX XXXXXXXX Fax XXXX XXXXXXXX Last acc XXXX XXXXXXXX Due to Account takeover with phone XXXX XXXX but they never reimburse the fund. I sent over police report & identity report Total about {$5000.00} or more

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent my letter off on XX/XX/. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out through certified mail. 

According to the FRCA, the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of such information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX. ) XXXX : XXXX 2. ) XXXX : XXXX 3. ) 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 2024-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
I have contacted Bridgecrest on a number of diffrent times to try and fix this account .I contacted Bridgecrest and explained to them in detail the car was totaled and recovered at a tow place in XXXX XXXX I tried to get info on the car they would not give me and I tried to go though the police department still no help.Bridgecrest is reporting on my credit report that the car was repossessed/recovered and that is inaccurate .The car was never recovered and I was never sent XXXX  documents about the car .Bridecrest is XXXX of the worse companies when dealing with customer service.

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 2024-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a notice that owed Regions Bank {$50.00} annual fee and because I did not pay it I was charged a late fee of {$30.00} on my line of credit and it was reported to the credit bureau. I called Regions Bank customer service on XX/XX/XXXX to pay the {$50.00} annual fee, close the account and I asked them to waive the {$30.00} late fee. The person I spoke with said he closed my account and put in a request to waive the late fee. To my surprise, I opened a statement from Regions on XXXXXXXX XXXX XXXX to find out my account was still open and they charged me an additional {$30.00} late fee and reported me to the credit bureau again. I called customer service again and asked to speak with a XXXX. The XXXX said she saw where I made the {$50.00} payment in XXXX and that my account was closed but could not tell me why I was still being charged a {$30.00} late fee and why it was still showing. She told me to call back this week to make sure it was removed. My complaint is that they are ruining my credit with these unjustified late fees and told me I will have to dispute it with the credit bureaus. The late fees were not warranted and I should not have been reported to the credit bureaus. I have not used this account in over XXXX XXXX and should not have been charged.

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 2024-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PACIFIC PREMIER BANCORP, INC.
State: CA

Complaint narrative:
I am responding to my former complaint againstthe banking establishment in XXXX XXXX, XXXX complaint XXXX. That case has subsequently been closed. The bank had my attorney  and me fill out the affidavit, notarizethe document, and send them ( the bank ) the paperwork. It was promised ( by the bank ) that they would do everythingpossible to recover the money from the fraudulently cashed check..The bank also stated that they would inform us on the process. To this date no further effort has been observed to contact me or my lawyer on this case. The bank did not live up to what they agreed to do. In addition, if a check was drafted on a bank note from one party and that party mails the check, how are they liablefor the amount of the check when their bank 's lack of security measures allowed for the fraud to occur? In addition, the bank was notified immediately when the check never arrived and was fraudulentlycashed.. Any delay in the action to retrieve the money from the other financialinstitution ( considering limitations with State and Local Law ) was by the bank itself. They initially said that they wouldnot help. Only after the complaint did they request an affidavit. Thus, to hide behind any kind of legal inability based on their time to recover funds seems more like they are attempting to avoid responsibilitythat they, in fact., directly caused.

Due to the bank 's officialdenial of any responsibilityin this matter, their initial refusal to help, their lack of investigation until after a complaint against them was made, their failure to live up to any resolution terms they set forth, their failure to contact me or my attorney regarding the case, their responsibilityin the significantpassage of time,, and for the responsibility to provide adequate security measures for the prevention of fraud ( requiring the cashing institution to require a Valid ID, a thumbprint of the person cashing the check, etc, ) are the reasons I would like to file a second claim against this same bank. 
Thank You For Helpingwith this Matter,, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX sent me a letter on XX/XX/2023 stating tha I pllied for credit and tha is inaccurate I never applied for XXXX Bank XXXX, I have XXXX credit card though XXXX not a XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: IL

Complaint narrative:
There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from Transunion credit report immediately. Please remove the following : - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Thank you 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 2024-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This delinquency is reporting to my credit report. This is not my debt. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
This debt was put into collections and ruined my credit on all XXXX credit bureaus and they refused to provide original documents attaching my name to the debt. Refused to provide me with proof the debt was mine. I told them my attorney would be reaching out and was going to proceed with legal action after 6 months of fake reports. Then they removed the collections debt from all XXXX debt XXXX. Now it has shown up again under a different debt XXXX name with the same debt. This is not my debt. They can not prove that it belongs to me. They have violated my rights. All of their business practices are illegal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
ONEMAIN XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX ACCOUNT # XXXX PLEASE DELETE PERMANENTLY!!! 

Please be advised that this account went into default during the XXXX pandemic. While millions of American citizens went bankrupt from the crisis, I had to close my business by federal, state and local mandates. 

I could have requested my creditors to place my accounts into deferment. I did not. 

I could have filed for Chapter XXXX bankruptcy. I did not. 

The XXXX XXXX XXXX XXXX ( FDIC ) has guidelines to help citizens defer secured and unsecured debts. Almost all federally insured financial institutions received financial remuneration for fiscal losses. 

I received XXXX help from any federal or state agency. 

Accordingly, I believe that under the circumstances that financial institutions received compensation, and that I worked my way out of debt when I was able to open my business again, I should be granted relief and have the aforementioned account deleted permanently. 

Thank you for your consideration in this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
This company is not licensed to collect debt in my state, and they are collecting debt on me which is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: NE

Complaint narrative:
I have disputed these accounts several times with TransUnion. They have continued to send correspondence stating the information would remain deemed accurate and verified. 
The below listed accounts were CHARGED OFF. These accounts has since been updated as CO every single month and as you know this is a VIOLATION because charge off accounts should be dormant and have no updates in the payment history following the charge off marking. Doing so, is falsely manipulating the statute of limitations which is a FCRA violation. Also, the credit bureau has violated my consumer rights based on 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ), & 15 USC 1681e ( b ) Account : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2023, XXXX XXXX XXXX XXXX dispatched an unlicensed plumber named XXXX XXXX XXXX, who came to my house and did extensive damage to my heater while trying to fix it. His supervisor named XXXX was called to address the situation, promised to return and fix the heater and asked for credit card number " just in case, so we know we will get paid when we finish the job ''. No permission or authorization, written or implied, was given to XXXX XXXX. No amount of charge was discussed. XXXX XXXX then went on to charge my account {$320.00} without my authorization. I immediately reported the fraudulent/unauthorized charge to XXXX Bank XXXX but XXXX just XXXX in favor of the merchant without any investigation of the facts. Please see attached documents, including the copy of the complaint filed against XXXX XXXX via Better Business Bureau, receipt of complaint filed with MD Attorney General 's office and a receipt for submission of the complaint to Maryland Department XXXX XXXX to investigate XXXX XXXX for hiring and dispatching unlicensed plumbers in the State of Maryland. Note that despite large amount of evidence to support my claim of unauthorized charge by merchant, XXXX still ruled in their favor. I request a chargeback and full refund of money which was embezzled from me by the XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-16 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: Affirm Holdings, Inc
State: MI

Complaint narrative:
I ordered something from XXXX in XXXX that was never delivered. I have reached out to both Affirm and XXXX to let them know I never received the item. They keep telling me it was delivered but provide no proof but claim there is a delivery photo. They have yet to show me the photo as I believe this was delivered to someone else. I did not receive this order and am not going to make the payments on the loan for merchandise I never received. I have been disputing this for 2 months now and getting nowhere. I have had several loans with Affirm and have had no issue repaying them, but I will not pay when I have nothing to show for it. I have disputed with XXXX and been put on hold for hours only to be hung up on. I have disputed with Affirm who only tell me to contact XXXX. I am not paying anything else on this loan and will dispute it with the credit bureau if it is put on my credit report. I have an open lawsuit already with XXXX, I will gladly add this to the suit if it is reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: AL

Complaint narrative:
A couple years ago had identity theft and fraud. XX/XX/XXXX of XXXX. I witnessed a horrific accident that took my XXXX childs life. It is messed me up mentally but for the past 8 to 10 months I have been trying to battle XXXX  updates my credit and let me print it off regularly. Because I have gotten a lot of stuff off my credit but XXXX XXXX and Equifax will not update my credit report unless I pay {$24.00}. I guess its a monthly fee or something. My credit report has not updated since XX/XX/XXXX of XXXX. There is numerous addresses, Social Security numbers and accounts that are not mine that I am trying to get removed because I need a vehicle so I can go to my doctors I do not have one. I can not get to my doctors. This is causing health problems and if I do not get to the doctors, it will cause problems with my XXXX. These companies are playing with peoples lives and Im very upset because I can not refinance my house because they will not release my credit. Theyre holding it as ransom that is illegal. I want to sue them because they cant keep picking on the little people. I have called them. I have updated the information theyve asked me to and they say its not me. Its just plain XXXX. I want my credit fixed, and I want to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Please refer to complaint XXXX filed on XX/XX/2023. Equifax is obligated by the FCRA to report accurate accounting. I have instructed Equifax in the complaint listed above to removed named accounts, update personal information, and update inaccurate information. Equifax has refused to do so. Equifax refuses to provide me with requested documents and my consumer file. Equifax is liable under the SEC XXXX Securities and Exchange Commission ). Equifax commission number is XXXX. I will be filing the proper treasury form to audit consumers account. Equifax is securitizing consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Company is collecting my debt but they are not licensed in my state. That is debt collecting illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
VYSTAR CU P. O. XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX PLEASE DELETE PERMANENTLY!!! 

Please be advised that this account went into default during the XXXX pandemic. While millions of American citizens went bankrupt from the crisis, I had to close my business by federal, state and local mandates. 

I could have requested my creditors to place my accounts into deferment. I did not. 

I could have filed for Chapter XXXX bankruptcy. I did not. 

The XXXX XXXX XXXX XXXX ( FDIC ) has guidelines to help citizens defer secured and unsecured debts. Almost all federally insured financial institutions received financial remuneration for fiscal losses. 

I received XXXX help from any federal or state agency. 

Accordingly, I believe that under the circumstances that financial institutions received compensation, and that I worked my way out of debt when I was able to open my business again, I should be granted relief and have the aforementioned account deleted permanently. 

Thank you for your consideration in this request.

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