vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-18 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: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
Pursuant TO 15 USC 1692J COLONIAL AUTO IS IN VIOLATION OF MY RIGHTS DUE TO UNLAWFULLY DESIGING AND COMPELING FALSE INFORMATION TO FURNISH ON MY COSUMER REPORT. KNOWING SAID FURNISHING WOULD CREATE A FALSE BELIEF. 
YOU ARE IN VIOLATION OF 15 USC 1692e AS WELL DUE TO THE AMOUNT OF THE ALLEGED DEBT THAT IS FURNISHING ON MY CONSUMER REPORT. 
COLONIAL AUTO IS A THIRD-PARTY DEBT COLLECTIOR AND IS IN VIOLATION OF 15 USC 6802 DUE TO HAVING MY INFORMATION WHEN IN FACT CAR MART WAS THE COMAPANY I DID BUSINESS WITH. 
COLONIAL AUTO IS XXXX IN VIOLATION OF 15 USC 1692G DUE TO THE FACT THAT I DID NOT GIVE YOU WRITTEN CONSENT TO FURNISH ANYTHING ON MY CONSUMER REPORT. 
NOT ONLY ARE YOU IN VIOLATION BUT YOU ARE ALSO IN RETALIATION DUE TOTHE FACT THAT THERES AN OPEN CASE ON THIS AUTO LOAN AND YOU TURNED AROUND AND REPORTED THIS FALSE ALLEGED DEBT ON MY CONSUMER REPORT I ALSO HAVE PROOF OF THE CASE AGAISNT XXXX XXXX FOR REPOSSESSION AND ALSO BREACH OF CONTRACT AND COLONIAL AUTO TURN AROUND AND FURNISH FALSE INFORMATION TO MY REPORT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: NJ

Complaint narrative:
I have received many collection calls from a company called Ginnys from # ( XXXX ) XXXX. I have never ordered anything from Ginnys nor did I open a ginnys account. They tried to get additional personal information on the phone call today. Agent said I ordered product and had it shipped to an address in Pennsylvania. 

I checked by credit report today and there is no ginnys account but I am concerned they will somehow access my credit. 

I do not have any documents. I have only received phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: GA

Complaint narrative:
XX/XX/2022 I sent out a letter to the credit bureau Equifax asking them to investigate my account to make sure my account was 100 % accurate. They received my certified letter XX/XX/2022. Here is the tracking number XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 is when I seen that my account status was updated.The credit bureaus said that my account was accurate I am very confused because my account has inaccurate account types, inaccurate date opened, inaccurate # of months, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. The documents will confirm the inaccurate things that are highlighted yellow. This is grounds for removal. They violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604A section 2. States a consumer reporting agency can not furnish a account without my written instructions Another thing is they didnt use the time wisely to give a full investigation I have been trying to dispute many accounts with them for a while now and keep ending up with the same results. I still havent received my mailed updated credit report either as I asked in the letter regarding the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 i ( a ) ( 1 ) ( A ), Can you reinvestigagte the completeness and accuracy of the following accounts below : 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 2022-10-18 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: NC

Complaint narrative:
This is an issue with a disputed transactions. The first one was for XXXX that was filed this year. I sent in all the necessary documents to prove that the merchandise is not in my possession and the merchant promised a refund and never did so. Chime refuses to credit the checking account despite documentation of evidence provided by me. Claim # XXXX, For my credit builder acct, there was an unauthorized charge on the account and chime automatically denied my claim without providing any proof that they had even contacted the merchant. The unauthorized amount charged was XXXX Claim # XXXX After this denied dispute I wanted to cancel all accounts with this online bank. The company refuses to cancel the account and according to my app, I owe a balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FlexShopper, Inc
State: SC

Complaint narrative:
The collection ( XXXX ) company called stated I owed {$1500.00} several times I attempted to tell them this is NOT my account and I pay my debt. Told them to just pull my credit report and you would see the pattern. They first connected me back in early XXXX. On XX/XX/XXXX I filed a police report with the XXXX SC police department ; Officer Report for Incident # XXXX. This company have aggressively and wrongfully harassed me, called my wife, sister and now my daughter. Also, I had a perfect credit score and because of this was denied credit or could not receive the best rate because of the false inquiry on my credit report.

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 non-monetary relief
Consumer complaint received 2022-10-18 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: IL

Complaint narrative:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character

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 2022-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: TX

Complaint narrative:
Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX XXXX  which involved me making deposits for a total amount of XXXX XXXX from my XXXX XXXX wallet to Binance at the instructions of the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
In the end of XXXX we were having trouble making our mortgage payments we called Citizens to see what our options were. They suggested a loan modification at that time and explained that process. At that time we went into default of our loan as required and started the process. On XX/XX/XXXX we signed the loan modification at that time the current amount due was {$5900.00} new payment would be XX/XX/XXXX {$1100.00} The VA funded {$43000.00} of my loan due to the extreme back log of the va the loan modification has been extremely back logged. When trying to get updates from Citizens load modification department they continuously say due to system changes check back in two weeks. Todays Date is XX/XX/XXXX. In XXXX they told me the va had funded my loan??? Today I spoke with the va to find out they are extremely back logged and that Citizens was instructed to tell va loans that they need to call va and that they would explain what was the hold up. That did not happen once. On XX/XX/XXXX we submitted to Citizens tax department that we are 100 % tax exempt and are due a refund of {$3500.00} Plus our new mortgage payment should be significantly lower as we are still paying the same payment we are now owed more money and feel we are not being treated fairly. Citizens loan modification team refuses to let me speak to a supervisor even when I had someone from the tax department XXXX with me to verify they owed me money. At this time I believe more should be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
There is no other way to put it but XXXX XXXX is being run by donkeys. Actually no offense to donkeys because they might have more brain than these idiots. 

They kept sending emails to try their new XXXX transfer service. And this is what happens when you try to use their XXXX XXXX service. 

I transferred $ XXXX to a linked account yesterday and XXXX XXXX has decided to debit that $ XXXX from the account twice and showing me that my account is overdrawn. I have an emergency today and I need to go see a doctor but I can't access the money. When I try to call XXXX XXXX it is like trying to talk to donkeys. First call, I get someone who is giggling and talking to someone else and wont even pay attention to the call. Then I get someone who says that XXXX XXXX has taken out $ XXXX twice from my account and that I need to reach out to them. These idiots aren't even able to recognize that this is a transaction imitated from XXXX XXXX XXXX own stupid website. Then finally I get a supervisor who says there is nothing she can do and I just need to wait till the end of the day hoping it will resolve itself. When you ask for someone higher up, their standard answer is that they are " in a meeting ''. These XXXX XXXX  $ XXXX  are habitual liars. 

So now I have an emergency and need to go see a doctor but I cant access my funds. I cant withdraw then from an ATM, I cant transfer them nothing. If the situation was reversed and I made a mistake and overdrew my account, these $ XXXX would have piled up fees after fees. 

I also initiated XXXX XXXX pulls from my external account yesterday ( for separate amounts ) debiting the money from $ XXXX and they have been rejected and I have been hit with 2 fees from that ban. All because XXXX XXXX can do some simple math. 

The worst part is that even after I have alerted them about this they are unwilling to fix it.

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 2022-10-18 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: TX

Complaint narrative:
On XX/XX/XXXX  The Supervisor at Transunion XXXX XXXX hung up the phone on my call to delete the alleged claims while I was still trying to get the correct information regarding fraudulent claims against my consumer report. On XXXX XXXXXXXX  I sent a response letter to XXXX XXXX XXXX, Attorney hired by XXXX XXXX never got a response, I sent out the same letter again never received a direct response regarding my response asking for the alleged debt to be validated. XXXX XXXXXXXX I received confirmation that the response was acknowledged. XXXX XXXXXXXX  XXXX XXXX XXXX stated they hired XXXX XXXX XXXX as an attorney and XXXX XXXXXXXX sent me a statement stating they would be foreclosing on my homestead on XXXXXXXX XXXX and they have not responded or validated the claims against my property. It is now XXXX XXXXXXXX and there has been no valid debt validation they have furnished fraudulent claims against my consumer reports. Neither company has responded to my request in a timely manner nor validated the information that I requested pursuant to 15 USC 1692g,15 USC 41 consumer protection, RESPA, FCRA and TILA. Fraudulent practices are a violation under state and federal laws.

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 2022-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Around XXXX XXXX, 2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX XXXX XXXX involved me making deposits for a total amount of XXXX USD from my account to fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: NC

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
This matter was previously filed with CFPB and settled with the company. Nevertheless, the company may not have appropriately updated the files as I am still getting harassing collection calls from the company demanding the balance due. Customer Service also says they have no record of this in there system. 

There is no balance due. The company XXXX out the small balance in good faith and the matter was settled. 

The letter provided from Continental Finance is attached as verification.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/21 XXXX removed XXXX XXXX  Bankruptcy. I have written XXXX and Experian explaining and showing proof that it was removed from XXXX. I have requested XXXX XXXX  Bankruptcy ( XXXX ) be removed from my XXXX and Experian credit report. I have not received anything in writing or by email confirming it has been removed

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 2022-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
Hello, I have purchased queen Mattress from XXXX XXXX and used Affirm ( my complaint is against ) to finance this purchase. I am disputing the resolution that affirm put on my XXXX credit report that my account is delinquent. I have purchased this in XX/XX/XXXX and it comes with XXXX nights warranty. We didn't like the product after using it for 30 days and were trying to return it to XXXX XXXX. Upon trying to return this, we found that XXXX XXXX  is no longer in business from XX/XX/XXXX. We communicated this to affirm via phone in XXXX and XX/XX/XXXX and we received the confirmation email ( attached ) from them saying they can't do anything as XXXX XXXX  is out of business. I requested affirm to contact XXXX XXXX  on behalf of me and they said they can't find anyone to talk to. I only felt confident to purchase this mattress with XXXX XXXX  as they partnered with Affirm, who I felt were a reputed company and provided me lot of confidence. Now I am struck with a mattress that I don't need and is providing bad back problems for me and wife. I am reaching out via CBFP to seek justice for me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
A debt collection agency named XXXX XXXX XXXXXXXX XXXX placed a hold on our accounts and states they have a judgment against us from 2 years ago. We did not receive notice of the judgment and we have not received notification of a garnishment, however, all of our account including my joint account with my wife have been frozen as of XX/XX/2022 and they have drained the money out of these accounts. We do not have money to pay our bills and the payments that have been sent out are being returned as NSF.

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 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/21 XXXX removed XXXX XXXX XXXXankruptcy. I have written Transunion and XXXX explaining and showing proof that it was removed from XXXX. I have requested XXXX XXXX Bankruptcy ( XXXX ) be removed from my Transunion and XXXX credit report. I have not received anything in writing or by email confirming it has been removed

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