vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc.
State: OK

Complaint narrative:
Ive exercised my rights to request validate debt and permissible purpose XXXX received no response. XXXX put on notice The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.

YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k.

DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING. Its still reporting. Want removed off my consumer credit file also {$1000.00} per violation 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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:
I have sent multiple letters asking for validation and the method of how they validated multiple accounts and questionable items on my credit report. the items that are listed on my credit account shows different balance and dates which are not matching and have not received back anything in over 45 days for these accounts that are clearly inaccurate accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023. 
XXXX The following information is being reported incorrectly. 
Date of last activity shows 3 different dates, and it shows that two different companies owe the same amount. With two different balances. 
XXXX XXXX Shows two different original creditors that are not matching. 
XXXX XXXX shows account status open and the other say closed that's inaccurate. information XXXX shows 3 different dates XXXX- shows 2 different balances XXXX XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a tuition reimbursement check for {$1900.00} from my employer to my Chase checking account on Friday XX/XX/XXXX via the Chase mobile app. Within 20 or so minutes I received an email that stated We accepted your check ( s ), but your funds will be delayed for the following reason : Checks within this deposit may not be paid because of information we have received from the paying bank or due to information we have within our own files. This is the same account my employer uses for my biweekly direct deposits to this same Chase checking account for several years. My employer is a large company in XXXX and there has never been an issue with my check. 

I called customer service after the email on XX/XX/XXXX and was transferred to their holds department but they said no info on the check is visible yet and to call in a few hours. I called around 4 pm again and customer services said they did not see a hold on the transaction ( I saw a hold message on my online account ) and that my funds should be a available the next day and if not to call the holds department back to verify the funds. I called Chase again the next day, which was Saturday XX/XX/XXXX and the holds department said to call back Monday because they must speak with the bank the check is from during business hours. I called Monday XX/XX/XXXX and was placed on hold but then told that the band the check is from will not verify information to 3rd parties like Chase. The person on the phone did put in a back office request to release funds due to my positive account profile but advised that if I did not see the money available within 1-2 hours then that meant it was denied and would not be available until Mon XX/XX/XXXX. I need this money to lay this semester tuition and am struggling to understand the sudden issue with a check from my employer from their existing account which is from a major bank ( Amalgamated ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
I started receiving collection notices for an accident with usaa on a car that I have never owned or driven. I filed a complaint with the state insurance commissioner and they got the insurance company to cease collection efforts. then the collection agency started calling again. I have proven to the insurance commissioner that i was not the driver in the accident. what else can be done complaint number and response from dept XXXX Posted By : State Posted On : XXXX XXXX, The company responded that they were ceasing recovery efforts from you. Can you please upload a copy of the latest documents. I will forward this to the company in a follow up inquiry letter. Thank you.- XXXX XXXX XXXX XXXX XXXX XXXX. 

Policy Insurance Card ID Number UNKNOWN Type of Policy Unknown Employer or Plan Sponsor Policy Number In what state was this policy purchased? 
Type of Insurance Automobile Specify if Other Claim Claim Number Date of Loss XXXX Other Party Other party 's name XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA Other party 's policy or claim number XXXX Complaint Details Detail of Complaint I RECEIVED AS NOTICE THAT USAA IS MAKING A CLAIM ON MY MOTORCYCLE INSURANCE THROUGH XXXX. THEY DECLINED COVERAGE AS THIS IS A MOTORCYCLE POLICY AND EVIDENTLY A CAR WAS BEING DRIVEN. I HAVE NOT BEEN IN ANY ACCIDENTS DONT EVEN KNOW WHAT THE DETAILS OF THIS EVENT ARE. XXXX SAID OUR VEHICLE WAS A XXXX XXXX OR SOMETHING. I DONT OWN A CAR LIKE THIS. tHEY ARE NOW SENDING ME TO COLLECTIONS AND I WILL INCLUDE THE REQUEST FOR PAYMENT IF THERE IS A PLACE ON THIS SITE TO UPLOAD Describe what you would consider to be a fair resolution to your complaint THEY NEED TO FIND WHO WAS ACTUALLY INVOLVED IN THIS ACCIDENT OR OWNES THE VEHICLE INVOLED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
In XX/XX/XXXX I reported to the credit card company ( Apple Card c/o Goldman Sachs ) that my card had been compromised and that over 50 charges of {$100.00} and one of {$160.00} and {$320.00} had been assigned to my account. These charges appeared to come from XXXX as they were accompanied by XXXX characters. 

Apple then credited the fraudulent charges ( as they should have ) and started and investigation. 

Then for some reason, they credited the amounts again, which resulted in a credit balance of - {$2500.00} which was the result of the second crediting less the amount that I actually owed them of {$310.00}. 

I sent them a letter dared XX/XX/XXXX ( copy attached - Applecard.pdf ) explaining that they had made a mistake. I never received a reply. I attached a marked up pdf of my XXXX statement ( also being forwarded to you - XXXX ) which outlined the problem. 

In the last week, I received a series of emails informing me that the dispute had been settled and they were adding the charges to my account as they had been already credited. 

This should have resulted in a total amount owed of the {$310.00} BUT after paying that amount I find that they are still charging me {$1000.00}. 

I called them yesterday and was unable to either resolve the problem or even get them to investigate. I sent them another letter this morning and I am also forwarding that letter to you ( XXXX ). 

It seems illogical to me that they would take off the fraudulent charges TWICE and then replace them and it would result in a total of charges that I did not charge to this card. 

Please help. I do not wish to pay over {$1000.00} that I have not incurred. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: LEXISNEXIS
State: CA

Complaint narrative:
On XX/XX/XXXX, I reached out to Lexis Nexis after being quoted excessive premiums/denied for Auto Insurance coverage by several different auto insurance carriers while shopping around for a better rate. When I contacted Lexis Nexis, they informed me that I had entries or recent " auto insurance '' claims in the past 5 years with XXXX XXXX and XXXX XXXX XXXX totally > $ XXXX. After informing me of this information, I filed a dispute with Lexis Nexis to have these incorrect ( fraudulent ) entries removed. Lexis Nexis proceeded to investigate and based on their limited investigation, they returned to me a written response on XX/XX/XXXX stating that the entries were " accurate ''. When I reached out to XXXX XXXX to confirm Lexis Nexis investigation results and verify that XXXX did in fact report that I had an " active '' policy in XXXX when the claim was supposedly paid out by XXXX, they confirmed that I DID NOT have a policy with this company, which is what I informed Lexis Nexis. Same conclusion was determined when I reached out to XXXX XXXX regarding an " active '' policy in XXXX when that claim was supposedly paid out. XXXX XXXX confirmed that I DID NOT have an active auto insurance policy with them in XXXX. In addition, the vehicles involved in these auto accident claims, as provided by Lexis Nexis to me, have never belonged to me ; this was confirmed by the registration details within the State of Michigan. To date, I have NOT been successful at getting Lexis Nexis to remove these fraudulent entries. In addition, my concern is that Lexis Nexis is continuing to report fraudulent information to the public regarding my automobile insurance status because they refused to actually " investigate '' the information they have in their profile for me and that does not match the reporting entities ( XXXX and XXXX XXXX ) information. I informed Lexis Nexis at the time of my inquiry on XX/XX/XXXX that the only automobile insurance policy I had between XXXX and XXXX was XXXX and this was confirmed by Lexis Nexis at stated on my profile maintained by XXXXexis Nexis. Based on these facts, Lexis Nexis decision to continue to report this, fraudulent at worst/intentionally inaccurate at best, information is merely because they lack proper procedures/protocols within the Lexis Nexis organization to confirm the information they report BEFORE they report it and after a consumer complaint/dispute of incorrect/inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
Please remove these hard Inquries as I did not authorized them : 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 explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
In XXXX, NFCU received a 30 day automated lien on our bank acct from NC Dept of revenue for tax year XXXX. In XXXX nfcu froze our acct and placed a lien on our funds. We contacted Nc XXXX of revenue and they show a XXXX balance that is no longer enforceable. They told us that NFCU only had til XXXX to enforce the lien and that it has expired and the acct balance owed is XXXX. They further stated that it was an automated letter generated in error, and that we do not owe anything. We asked for a clearance letter and were told they dont issue them for these temp orders We contacted NFCU and they said the lien has no expiration date, and they froze our acts and said they will start sending all funds to NC til it reaches around {$9400.00}. They refuse to contact the NC dept of revenue themselves to validate what we were told by 2 agents as well as 3 supervisors. We need help and are willing to proceed with legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed several inquiries that were inaccurately being reported. I have previously requested removal of these inquiries and have yet received a resolve or response. This is a direct violations of several consumer laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/XXXX I had gotten an email that my XXXX had been hacked and there were {$700.00} dollars in euros stolen. I called and inquired from the number on the e-mail. They ended up stealing my bank information and credit card information. I called the bank to enter a dispute. They granted the money back right away and a few weeks later without warning the same amount had been taken back by the bank. I called again and spoke to XXXX XXXX I think is her last name. She looked into it and said that the dispute team found that there was no foul play becuase someone I talked to on the phone had used my phones ip address and therefore it was me that in fact sent the money. Mind you this was via XXXX and I have the individuals name from XXXX whom sent it to XXXX. This information was also filed in a police report and sent to the AG office. XXXX then spoke to the fraud team and they came back with the same response. Basically I am stuck paying this {$700.00} back to the bank that I didn't even use. I was told " This is fraud but since there is evidence that looks like you did it then we can't do anything. '' It was also brought to my attention that if you do not have a business account or another special account then you are not covered by all of the fraud protection that Simmons Bank advertises.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report I noticed several injuries in which I requested removal. After several attempts to contact via letter and phone calls to the bureau directly there still has not been any changes. This is in direct violation of various consumer acts. Such wrong information has negatively impacted my credit score.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 informationisinaccurate

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 informationisinaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-21 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: GA

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX 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 2023-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
Hello I am writing this statement and want to say thank you for confirming that the SEQUIUM ASSET SOLUTIONS , LLC is a debt collector. Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including the SEQUIUM ASSET SOLUTIONS , LLC. Since the SEQUIUM ASSET SOLUTIONS , LLC decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ). Due to the SEQUIUM ASSET SOLUTIONS , LLC fraudulent actions, this constitutes as aggravated identity theft for knowingly, possessing and using, without lawful authority my identification with intent to commit unlawful activity which is a direct violation of Federal Law and felony pursuant to 18 USC 1028 and 18 USC 1028A.

Company response to consumer: Closed with explanation