vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 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: FL

Complaint narrative:
My XXXX  loan balance and payment history is incorrect as my balance has been at XXXX since XXXXXXXX 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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My student loan balance and payment history is incorrect as my balance has been at XXXX since XXXX of 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: EQUIFAX, INC.
State: WA

Complaint narrative:
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 XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had cashed 2 checks for my co workers that didnt have an ID around XX/XX/XXXX after doing that chase closed my account for fraud and that I needed to bring the 3 party payees with 2 forms of IDs. They werent able to do that right away the process for them to get a passport and an ID from their home country took 8 months. I was able to verify one guy in XXXX of XXXX and they told me I just needed the next guy to come in and they day he did around XX/XX/XXXX they told me they couldnt verify through this same process because they changed policy. So they suggested through their phone number through their system and still it didnt work. They wont release and funds even after the other payees opened a bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: IN

Complaint narrative:
On XX/XX/2023, I requested a copy of the description of the method of verification procedure used to determine the accuracy and completeness of the disputed accounts in question. Including the name of the company and address and the person name who conducted the reinvestagation process to me. I never received anything from the credit bureaus. I was told I didn't need any documents for the process by their representatives. By State and Federal law, a consumer reporting agency SHALL provide to a consumer a copy of description of reinvestagation process referred to paragraph ( XXXX ) ( B ) ( XXXX ). Unverifiable accounts MUST be removed from a consumer 's credit file. Silence in this matter is unacceptable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should all three credit bureaus continue to attempt to collect these debts without the proper validation, I have the right to sue all credit bureaus in small claims court and subject them to a fine of {$1000.00} per violation as well as my attorney fees and court fees as damages. I would like to remind that the credit bureaus are legally obligated not to report a debt that has not been properly validated. I am sure that the credit bureaus want to resolve this matter as quickly as possible and avoid any unnecessary complications Should they fail to respond to the letter within 15 days. 
Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: IN

Complaint narrative:
On XX/XX/2023, I requested a copy of the description of the method of verification procedure used to determine the accuracy and completeness of the disputed accounts in question. Including the name of the company and address and the person name who conducted the reinvestagation process to me. I never received anything from the credit bureaus. I was told I didn't need any documents for the process by their representatives. By State and Federal law, a consumer reporting agency SHALL provide to a consumer a copy of description of reinvestagation process referred to paragraph ( 6 ) ( B ) ( 3 ). Unverifiable accounts MUST be removed from a consumer 's credit file. Silence in this matter is unacceptable. 
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 Inquiry XXXX XXXX XXXX XXXX Should all three credit bureaus continue to attempt to collect these debts without the proper validation, I have the right to sue all credit bureaus in small claims court and subject them to a fine of {$1000.00} per violation as well as my attorney fees and court fees as damages. I would like to remind that the credit bureaus are legally obligated not to report a debt that has not been properly validated. I am sure that the credit bureaus want to resolve this matter as quickly as possible and avoid any unnecessary complications Should they fail to respond to the letter within 15 days. 
Sincerely, 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 2023-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I hope all is well. I purchase my vechle from a dealership working with credit acceptance XX/XX/XXXX. I choose to finance the vehicle through a consumer credit transaction. On my contract it says I can either buy the vehicle ( XXXX XXXX XXXX ), for cash or credit. It does not tell me that Iam rquired to do both. This statement also alings with 15 usc 1605 in the truth in lending it. 15 usc 1605 states the finance charge is the sum of all charges not comparable to a cash transaction. When I was at the dealership they told me a down payment was required and it was not optional. I felt pressursed to give a down payment of {$2000.00}. I consider this going agaisnt the contract because it clearly statres buy Upon reviewing the terms outlined in my contract, I observed that it states I have the option to either " buy the vehicle for cash or credit. '' It is crucial to note that the contract does not specify a mandatory requirement for both cash and credit transactions. This understanding aligns with the provisions of 15 USC 1605 in the Truth in Lending Act, which defines the finance charge as the sum of all charges not comparable to a cash transaction. 

During my visit to the dealership, I was informed that a down payment of {$2000.00} was mandatory and not optional. This information created a sense of pressure, leading me to provide the down payment under the assumption that it was a requisite part of the credit transaction. 

I would appreciate your prompt attention to this matter, as the requirement for a down payment contradicts the explicit terms outlined in the contract, which allows for the option of buying for cash or credit without mandating both. I kindly request clarification on the following : The necessity of the down payment in light of the contract 's terms. 
Confirmation of the contract 's intent regarding the optional nature of a down payment. 
I believe addressing these concerns will contribute to a transparent understanding of our contractual agreement and ensure that the transaction aligns with the principles outlined in the Truth in Lending Act. 

Thank you for your attention and cooperation. I look forward to a prompt resolution of this matter.for cash or credit, not buy for credit and pay cash for down payment or vice versa.

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 2023-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL

Complaint narrative:
I am a part of a class action lawsuit now against a security alarm company XXXX due to my credit report being used to provide services to someone whose credit was not sufficient enough. I am filing a complaint against a company XXXX used also under my name for their equipment which is Citizens One who says I owe a balance for service I never knew about nor authorized nor did I give permission to pull my credit. I was informed today that it was done by the sales representative through XXXX that all they needed was my name, DOB, and social security number and that is just how easy it was to put service in my name. Today when speaking with a male from Citizens One to tell them that I my credit report was misused by XXXX to establish service under my name and I wanted charges that Citizens One also established in my name under XXXX to be removed the representative told me I had to talk to the XXXX XXXX XXXX. I asked for an account number and balance so that I could include it in a complaint to the FTC to also investigate Citizens One since they are in with XXXX  on how all this happened the representative said he could only see that I needed to speak with another department. I asked for the address to Citizens One corporate office and the representative refused stating that he was submitting a complaint to the XXXX XXXX XXXX and someone would call me soon. I dont owe this debt and with Citizens One also my credit report was misused for a Citizens One Loan both Citizens One and XXXX  for XXXX XXXX equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I have reviewed a copy of my consumer report recently and noticed there are several debt collection agencies reporting a debt that they have not validated and are reporting without my written or oral permission. There is not contract nor agreement between myself and these companies. Their unfair reporting practices have caused me significant damage recently. These errors and unlawful practices need to be corrected and all misleading and unlawful information on my report needs to be removed immediately per federal laws ( Fair Debt Collection Practice Act ) : 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 15 USC 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 USC 1692g ( a ) I received no notifications via mail about the validity of this debt 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. If the company in question can not provide an original, " wet-ink '' signed contract or agreement between me, XXXX XXXX XXXX the consumer, and their company named as Creditor, the debt is invalid and therefor unlawfully permitted to be collected upon and most certainly can not be furnished on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion received a Police Identity Theft Report & an FTC Identity Theft Report XXXX XXXX XXXX to show my Identity was being used against me by the company XXXX XXXX which apparently has connected a Credit Card presented as XXXX. Instead of blocking the thief/scammer from having access to my credit file & credit report, they've IGNORED the Police and FTC Identity Reports completely allowing the thief to continue adding & removing fraudulent information to my account as they please. I received a credit report issued on XX/XX/2023. The File number for the report number is " XXXX '' which shows a XXXX XXXX  # XXXX reporting this account was opened on XX/XX/2023 & closed XX/XX/2023. This reporting is INACCURATE & FALSE. This account has been reported to Transunion using different names, dates of opening, dates of closings, etc. From the way the account has been reported, it appears to have at least 3 different accounts assuming the identity as XXXX ACCOUNT. The account has also been reported to Transunion as XXXX without XXXX XXXX being attached to its name. The SCAMMER/THIEF who works for company refuses to provide any document with my true signature. Also XX/XX/2023, I contacted Transunion because whoever reported this account in my name added an " AKA '' to my Transunion credit file which NEVER had been reported in the history of my Credit File with them. I have constantly disputed with Transunion but they've BLOCKED me & REFUSES to allow me entrance although I have Credit Monitoring to see what's being reported by the scammers. My Credit Monitoring with Transunion will end in XXXX & they've blocked me for the ENTIRE month of XXXX from entering my credit file. Transunion has consistently violated my Consumer Rights by Federal Law because they received Police Report and FTC Identity Theft Report in XX/XX/2023. The thieves are the employees of XXXX XXXX and whoever XXXX is and has reported at least XXXX different accounts using the same account number in a variety of forms. My story doesn't change. This is Fraud & Transunion will be held accountable for not protecting my consumer rights under Federal 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 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This complaint regards my Capital One Credit Card. 

I scheduled my payment on the day it was due using the Capital One Website. The payment is pulled from my checking account which is linked to the card. 

4 days before the payment is due, and weeks after I have scheduled the payment, they send me a message telling me that my Capital One payment is due soon. 

But I already schedule the payment. I have to log on and confirm the payment is scheduled. 

I believe they are sending out these emails in hopes that some customers will double pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: WA

Complaint narrative:
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 explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: AL

Complaint narrative:
I had an chime account taken over, in which someone stole my identity and changed my password email, phone number be because of that this account taken over happened in XXXX  during the covid years, however, I had a chime debit, checking and saving plus a chime credit builder card that to this day still reporting to my XXXX credit report, However identity thrives gain access to my chime account, moreover, I contacted chime customer service at XXXX XXXX XXXX XXXX advise the terrible agents that my account was over taken, I was given an email  XXXX. to submit identifying documents and I have not heard XXXX else this is XXXX XXXX Ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.
State: ME

Complaint narrative:
On XX/XX/2023, I initiated a deposit of {$3200.00} to my Blockchain.com account with the understanding that the funds would be available to make a crypto purchase immediately. I received email confirmation of the deposit, but was unable to make a purchase or get in touch with a support agent. On XX/XX/XXXX, I requested that blockchain.com cancel the deposit as it was still pending. On XX/XX/XXXX, the deposit was completed ; I tried withdrawing the funds from the account, but the app said withdrawals are temporarily unavailable, so I filed a dispute with my bank. On XX/XX/XXXX, blockchain.com finally responded to my queries stating Regrettably, we do not have any current updates regarding the reactivation of ACH Withdrawals.. I then researched the issue and found out that withdrawals have apparently been unavailable since XXXX of 2023 ( despite there being no issues with deposits ). I have not received any additional updates from blockchain.com since XX/XX/XXXX when they provided links to unhelpful support articles and unacceptable alternative solutions that would ultimately cost me more money and put my funds at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I have reviewed a copy of my consumer report recently and noticed there are several debt collection agencies reporting a debt that they have not validated and are reporting without my written or oral permission. There is not contract nor agreement between myself and these companies. Their unfair reporting practices have caused me significant damage recently. These errors and unlawful practices need to be corrected and all misleading and unlawful information on my report needs to be removed immediately per federal laws ( Fair Debt Collection Practice Act ) : 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 15 USC 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 USC 1692g ( a ) I received no notifications via mail about the validity of this debt 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. If the company in question can not provide an original, " wet-ink '' signed contract or agreement between me, XXXX XXXX XXXX the consumer, and their company named as XXXX, the debt is invalid and therefor unlawfully permitted to be collected upon and most certainly can not be furnished on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
When I checked my Navy Federal Credit Union account  on XX/XX/2023, {$7500.00} was gone from my account. I noticed XXXX transfers of {$3300.00} and {$4100.00} that were recorded on XX/XX/2023. I was not an active  participant in either of these transfers. All transactions that occurred on XX/XX/2023 were done without my knowledge nor consent. I also noticed a XXXX  account which was the recipient of the scam money. The exact name of the scam  account is XXXX XXXX XXXX. The checking  number of the scam account is XXXX. This account should be frozen and investigated for online scams  and possible hacking. At least {$7500.00} should be reversed from the Navy Federal Credit Union account XXXX. The most likely physical address of the scammer is XXXX XXXX XXXX XXXXXXXX XXXX SC XXXXXXXX. XXXXXXXX XXXX XXXXXXXX of the same street are other likely addresses.

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